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Different states will require varying insurance requirements. It is therefore significant to educate yourself about your state's minimum auto insurance requirements. This is equally important when you're planning to move to a new state. Knowing these important information will be a critical factor if you want get maximum protection for you in the event of accidents.
Understand Your Auto Insurance Numbers
A series of three numbers are normally used by auto insurance companies to refer to property damage and bodily injury coverage. In Arizona, for example, the minimum auto insurance coverage requirements are stated as 15-30-10-$15,000 for the maximum amount to be paid for a single person injured in an accident or the bodily injury liability; $30,000 for the maximum amount to be paid for all injuries in an accident, also a bodily injury liability; and $10,000 the maximum amount to be paid for property damage or the property damage liability.
Educate Yourself about Minimum Insurance Requirements
Talk to a reliable agent or source or search the Net for accurate data regarding the minimum auto insurance requirements. And since different states will have varying features for this, it is important to know the one being implemented at the stat you are in or you are moving into.
Determine the Extent of the Requirements
It is important to be able to check whether the state's minimum auto insurance covers not only but also your family. Be sure to check the accuracy of the coverage based on the quote you have gotten from the insurance company. If covering the entire family means having to pay larger premiums, then don't hesitate to do so. Paying for bodily injury and other important liabilities will be a great help for you in the event of an accident involving any member.
Check If You're in a No-Fault State
Florida, Hawaii, D.C., Delaware, Minnesota, Kentucky, Maryland, Kansas, Massachusetts, Utah, Michigan, New York, Oregon, Pennsylvania, New Jersey, North Dakota, Texas, and Washington are states that observe the no-fault policy. In these states, insurance companies are required legally to cover the policy holder's losses, regardless of who's held responsible for the accident.
Knowing all these are important in evaluating your auto insurance policy. Make sure to keep your proof of auto insurance and to know well everything written on it so you will be knowledgeable of what you're responsible of and liable to.
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