Getting your own car is a big milestone in life. It gives you the freedom of movement. You can now go almost anywhere at your own pace and time. However, as a new driver, you are responsible to protect yourself, your vehicle, and your passenger from risks associated with driving or owning a car.
It is one of the driver’s essentials to always have active auto insurance at hand. Except for Virginia and New Hampshire, every state requires all drivers to have some form of auto insurance. If you are caught driving without any active auto insurance could put you in trouble for not complying with state regulations.
In connection with this, you must know what are the types of auto insurance that are mandated by state laws. Here are two required types of auto insurance that you need to include in your policy:
Liability Car Insurance
Excluding New Hampshire and Virginia, all states require a driver to get liability car insurance. In most states, you will not be allowed to drive a vehicle without this type of auto insurance. It is a legal requirement that you need to comply with.
It can cover the expenses associated with a car accident that you are at fault. There are two components of liability car insurance: bodily injury insurance and property damage insurance. For example, you accidentally crashed into another vehicle. Your bodily injury insurance can cover the costs for the medical treatment of the other person’s injuries. Meanwhile, the expenses in repairing the other person’s car can be shouldered by the property damage insurance.
Uninsured Motorist Insurance
Currently, 20 states required drivers to have uninsured motorist insurance. But even if your state does not require you to get uninsured motorist insurance, you need to consider getting one. This insurance can provide you financial protection from uninsured motorists.
Auto insurance may be mandatory in almost every state, but, sadly, some individuals still drive a vehicle despite not having one. For example, an uninsured motorist smashed into your car. Since the uninsured driver does not have any auto insurance, your uninsured motorist insurance can kick in.
Like liability car insurance, it has two components: uninsured motorist bodily injury and uninsured motorist property damage. The expenses for getting medical treatment for your injuries and those of your passenger can be covered by uninsured motorist bodily injury. On the other hand, uninsured motorist property damage can pay for the costs of your car repairs.
Having a car provides you the entitlement to go anywhere. However, it also comes with an associated responsibility to protect yourself and other people on the road. You can check your insurance provider what are the types of auto insurance that your state requires you to get.
At Robert Nichols Insurance Group, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (561) 406-6153. You can also request a free quote by CLICKING HERE.
It is important to point out that on average 12% of motorists in the USA are uninsured and it can go up to 20% in some states. These are scary figures that force motorists get their own car insurance protection against these people. Well done for raising this point.
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