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Saturday, May 2, 2009

Laws about auto insurance

By Mark Alison

When deciding about insurance, some questions come to mind. How much coverage do I need? What's the minimum requirement amount? Do I need liability? What about other states? These are all common questions that can be answered in a simple fashion.

The best source for your insurance laws is your insurance company. They will be able to answer the questions you want to ask them and be sure that you are covered in every instance. After all, it's their job to know. Have your questions ready when you call them to save time and make sure that you don't forget anything.

Each state will have specifics that must be followed when it involves your insurance coverage. Full coverage will cover injury to people, cars and property. Some states may only require coverage involving people. This is liability insurance. If you damage a car, then you must pay out of pocket for damages to your car, but insurance will probably pay for the other car.

One of the most unsought of thing is traveling to another state. You must have auto insurance coverage to conform to that state's laws. Call your insurance before you cross state lines to change coverage to meet the local requirements.

There are other options for insurance then paying for it. States have different liability laws involving motor cycles and scooters. If you're strapped for cash and you can't afford insurance, simply check out the state's laws about these vehicles. In Washington, you don't need insurance to drive a motorcycle.

Most states require that you keep your proof of auto insurance in your car at all times. If you are pulled over by a police officer, you must provide proof of insurance. There are heavy fines if you don't have it. If you forgot it or it expired and you didn't get the updated version in the mail. Simply contest the ticket and provide proof to the judge and they should wave the fine.

The biggest factor in finding cheap auto insurance is keeping your driving record clean. Knowing a little bit about the laws can help a great deal! - 23211

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