Auto Accident Insurance

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What level of auto insurance accident coverage do I need?

Accident coverage varies from state to state and depends on your specific policy. Read more about auto accident insurance to make sure you have sufficient coverage.

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In the case of an automobile accident, you want to ensure you have adequate insurance to cover any possible costs that may result from a vehicular incident. These costs range from basic repair costs to your automobile to medical costs for injuries to yourself or other drivers, any damages caused to other private property or other automobiles, injuries caused to bystanders, and damage caused by an underinsured or uninsured driver, to name a few. A minimum level of automobile insurance coverage is mandated in every U.S. state. Some states have more stringent standards of coverage, while others require less. If you are driving without insurance, then, you are breaking the law anywhere that you drive in the United States.

Different states have different minimum levels of compliance for required auto insurance. According to the Insurance Information Institute, the following states require a minimum level of coverage consisting of bodily injury and property damage liability: Alabama, Alaska, Arizona, Arkansas, California, Georgia, Idaho, Indiana, Iowa, Louisiana, Mississippi, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Texas, Washington, and Wyoming. Other states require additional coverages, such as uninsured/underinsured motorist coverage or personal injury protection, above and beyond the minimum levels of bodily injury and property damage liability: Colorado, Connecticut, Delaware, District of Columbia, Florida, Hawaii, Illinois, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Utah, Vermont, Virginia, West Virginia, and Wisconsin. Florida does not require bodily injury liability, New Hampshire and Wisconsin only require proof of financial responsibility along with underinsured/uninsured motorist coverage, while Tennessee only requires proof of financial responsibility.

It is your responsibility as a registered driver to be familiar with the types of mandatory auto insurance policies for your state. You should also be familiar with the extent of your coverage in other states and the financial amounts covered by your policy. States also have minimum levels of coverage in addition to minimum policies. You should acquaint yourself with these amounts before purchasing insurance. If you already have auto insurance, you should make sure that your policy conforms to all existing auto insurance regulations.

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