Apr 19
adminArticles Authorities, Bodily Injury, Car Insurance Coverage, Car Insurance Policy, Coverage Amounts, Infrastructure, Injury Liability, Insurance Policies, Liability Limit, Liability Limits, Minimum Coverage, Nevada 15, New Mexico, North Dakota, Rhode Island, South Carolina, South Dakota, State Alaska, West Virginia, Wyoming
You probably know that all US states have different minimum coverage amounts that are required to be carried within the driver’s insurance policies. And depending on where your car is registered you will have to meet these requirements. What happens if your policy has coverage amounts lower than the required minimum? That depends on the state you drive in. But usually, in case of an accident if the authorities learn that you have coverage below the minimum amount you can face a penalty or even taken into custody. So, in order to avoid that, here are the minimum requirements of coverage state by state:
Alaska 50/100/25
Alabama 20/40/10
Arkansas 25/50/15
Arizona 15/30/10
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/5
Florida 10/20/10
Georgia 15/30/10
Hawaii 20/40/10
Idaho 20/50/15
Illinois 20/40/15
Indiana 25/50/10
Iowa 20/40/15
Kansas 25/50/10
Kentucky 25/50/10
Louisiana 10/20/10
Maine 50/100/25
Maryland 20/40/10
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/10
Montana 25/50/10
Nebraska 25/50/25
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
Nevada 15/30/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 12.5/25/7.5
Oklahoma 10/20/10
Oregon 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 15/30/10
South Dakota 25/50/25
Tennessee 25/50/10
Texas 20/40/15
Utah 25/65/15
Virginia 25/50/20
Vermont 25/50/10
Washington 25/50/10
Wisconsin 25/50/10
West Virginia 20/40/10
Wyoming 25/50/20
The numbers refer to bodily injury and damage liability limits to be carried by the car insurance policy. The first number is the limit of injury liability per person. The second number is the injury liability limit per accident. And the third number refers to damage liability amount. And if the property damage limit is pretty evident, needed to pay for any damage to property or infrastructure delivered by your vehicle during the accident, the first two limits need a more detailed explanation. Let’s take an example from Alaska – 50/100. The first number means that a person injured in the accident that gets covered can receive up to $50,000. The second number refers to the total injury car insurance coverage per single accident. If there are two persons in the car who sustained damage they will receive up to $50,000 each (a total of $100,000). But if there are 3 or 4 persons, the $100,000 will be distributed amongst them, making individual coverage limits lower. In case all the persons require maximum per capita coverage of $50,000 the first who file for it will get it, and the other ones will be covered by the policy of the car owner who was at fault during the accident.
Mar 24
adminArticles Affordability, Affordable Auto Insurance, Affordable Insurance, Car Insurance Coverage, Car Owner, Competitive Car Insurance, Coverage Amounts, Current Insurance Company, Discount Insurance, Insurance Carrier, Insurance Companies, Insurance Deals, Insurance Health, Insurance Price, Life Insurance, Minimal Coverage, Numerical Expression, Personal Budget, Substantial Coverage, Types Of Insurance
If given a chance to get affordable car insurance coverage, none of us would refuse it for sure. However, we are rarely given such chances and in most cases have to find them on our own. Still, it doesn’t mean that it’s impossible to get what you want, especially in the world where everything you wish to get can be taken, you only have to know where to look. So if you want affordable car insurance, then this is what you will get! Learn how right here!
What’s in the word? Affordable.
When it comes to defining affordability each one of us has his own definition and numerical expression of that concept. Someone can afford to pay for auto insurance a price that the other will never be able to pay. That’s why affordability is strictly individual and is defined by how much money a person can pay for something without sacrificing other things or running short with the personal budget. And as there are different levels of income, the amounts of money that constitute affordable auto insurance also vary significantly from one car owner to another.
Looking for affordable insurance
You may think that affordable insurance comes only with minimal coverage amounts that will barely cover you if you have an accident. Fortunately, it isn’t so as there are many affordable policies with substantial coverage amounts out there. The only problem will be finding and getting them, because in order to make a policy affordable sometimes you should put in some serious effort and explore numerous options before getting exactly what you want.
First of all try to learn about all the discounts you can apply for with your current insurance company. Or if you are currently looking for an insurance carrier, try to learn such options before actually getting the policy. A good way to get a discount on auto insurance is getting it from the same company you already have other types of insurance with (health, homeowners, life, etc.). Most insurance companies provide customers with such an option but make sure to learn about it first. Other discounts most insurance companies will typically offer you include discounts on low mileage, safety improvements, defensive driving course, good driving record, good student, and many others. It never hurts to ask, maybe you can opt for a discount too.
Getting affordable rates
But before you start looking for good discounts you might want to shop around and see what different companies have to offer in terms of rates. The best way to do so is to use online auto insurance quotes. With so many sites giving you free quotes out there, finding a good deal takes only 10-15 minutes and you can apply for the insurance online too.
However, you have to make sure that you are getting accurate quotes and not estimates. Quotes are the exact rates you will be charged by your insurance company when you’ll get the policy, while estimates are only approximate rates that will definitely go up when you will actually buy the insurance. Shop around with accurate car insurance quotes and find the affordable policy you’ve been looking for!
Mar 12
adminArticles Car Insurance Coverage, Car Models, Cars, Collision Coverage, Condition Provisions, Coverage Limits, Coverage Types, Credit Card Companies, Deductibles, Exclusions, Insurance, Insurance Plan, Insurances, Liability Coverage, Period Of Time, Rental Car Insurance, Rental Insurance, Special Offer, Specifics, Supplemental Insurance
USA has lots and lots of services you can rent. But together with each service companies like to sell their bloody insurances. If we are honest, insurances are for the best. At first you get an idea of payment for nothing but believe us, when the time comes, and if it does, you are very lucky to be insured under a good insurance plan. Each plan has its own limitation, condition, provisions, exclusions and specifics. You might want to consider them before you make a purchase. Where can you always collect the information that will help you go further with the insurance? You can find it either from an agent in the company or online.
Some people do not have cars. Some other people need a particular car for a particular period of time for a particular occasion. But in order to keep yourself and the car safe you are recommended to get insurance. But we want to warn you about something – it doesn’t mean you have to get yourself a supplemental insurance because you are insured with the company your regular car is insured with. In another words, all the liability coverage limits remain effective even when it comes to the rented car. But that is not all, together with this, the comprehensive and collision coverage that are included in your regular policy stay effective with the deductibles. If you don’t know what any of the previously mentioned coverage types are – please research deeper and find out about them.
You may also find out one day that your credit card has some of the supplemental car insurance coverage on it. But we don’t want to lie or fool you so you have to check your credit card detailed information for further details. In general, there is an option like this but some cards only deal with particular agencies they have an agreement with. Other credit card companies can give some restrictions and limitations on certain period of time during which you can benefit from a special offer. There are also restrictions on car models and manufacturers. You may not even know your card has it when it does as sometimes you need to enroll in a special program to establish it. There are partial credit card coverage types that can leave you totally unprepared and vulnerable to personal damages and damages to the belongings of other people. Usually when you go to a car rental office they offer you two types of liability coverage. One is protecting you from the complaints of other people and the second covers the car you rented. The latter is more like an agreement-based coverage that doesn’t have a written confirmation.
You auto insurance doesn’t have to hurt you in any way. You do not have to feel scared or afraid when you get in your vehicle. You don’t need to be afraid of renting a car. The thought of after accident payments should not the thoughts hitting your head everyday. We can guarantee you that it can all be totally fine. But if you are responsible you have to realize some pressure you put yourself under with something that doesn’t belong to you directly.
Get your car insurance quotes from any company you consider a trust-worthy one and see for yourself. Insurers are not there to rob you. They want to keep you and your property safe.
Jan 18
adminCar Check Always, Cap Claim, Car Contents, Car Cover, Car Coverage, Car Gadgets, Car Ins, Car Insurance Claims, Car Insurance Companies, Car Insurance Coverage, Car Policy, Car Repairs, Car Services, Car Spares, Check, Claim Settlements, Comprehensive Car Insurance, Courtesy Car, Cover, Double, Insurance Car, Insurance Policy Holders, Original Equipment, System Security
Sentiments towards settling car insurance claims can vary among individuals. Most people blame insurance companies for lagging or outright non claim settlements. Closely followed cases prove that insurance policy holders are more to blame in such situations, it is very important to read the insurance fine print before signing and eventual premium payments. The insurance fine print contract addresses each and every detail of the cover and more importantly the scope of the insurance cover in the event a policy holder files for claims. Car insurance coverage can be trick because of the different classes of policy covers, however ignorance or negligence is never an excuse and one should make efforts to their insurance cover. Below are some insurance features one should double check before affecting any car insurance coverage;
Cover for car contents in event of theft
Cover on items in the car at the event of the car being stolen are not insured, however there is a cap claim limit for car gadgets such as audio system, security systems, shopping and other item that may be stated when applying for the car insurance coverage.
Non standard car parts
Insurance companies extend car insurance cover to original standard car parts. Some original equipment manufactures car spares are not covered by most car insurance companies.
Cross border Travelling
Most people ignore the fact that a full comprehensive car insurance cover can be downgraded to mere third party policy once the car lives the insurance jurisdiction country. It is very important to inquire about cross border travelling whenever you wish to travel outside the country.
Courtesy car and car rescue services
Car policy holders normally have this assumption that the car insurance coverage offers extras such as car repairs, highway rescue etc. There are requisite to this and one needs to know if they qualify for such car services.
Windscreen cover
Most insurance car coverage over windscreen cover with basic car insurance coverage, however it is very important for an individual to double check.
The best precaution one can take is to talk with the insurance company before signing the car policy document. Make sure everything is inclusive and your car insurance needs are met as you want. Some extras may increase your cost premium, but its a necessity go for it, this way you will have peace of mind that your car is fully covered and you need not to be worried of any eventualities.
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