Auto Insurance Requirements
Reader’s Question:
For a new driver like me who needs to get auto insurance here in Kansas, what are the important things that I need to know about my getting coverage?
Brent
Wichita, KS
There are some important things that you have to understand and remember before you get your auto insurance in Kansas. The very first thing is that in the event of an accident, the medical expenses of each driver would be covered by their auto insurance policy no matter who was at fault since Kansas is a no-fault state. You also need to know the state’s minimum coverage which is $25,000 for one person and $50,000 for all persons for bodily injury in a single accident and $10,000 for property damage liability.
Aside from the required auto liability coverage, you are also required to get at least $4,500 for Personal Injury Protection (PIP) in Kansas. This coverage would help pay for the needed medical fees for you as well as your passengers. Another required coverage on your auto insurance would be the uninsured and underinsured motorist coverage. You have to carry at least $25,000 for one person and $50,000 per accident for bodily injury incurred by a driver who doesn’t carry auto insurance or who doesn’t carry enough coverage.
Remember that these types of coverage are just the minimum requirements in the state of Kansas and you have the option to get more than the required coverage for your auto insurance. This is to make sure that everyone in your household is well protected in case you get involved in an accident.
Cheap Car Insurance Coverage Illinois
Reader’s Question:
Why is it so important here in Illinois that a driver should have coverage for car insurance that is more than the requirement of the state?
Angelo
Peoria, IL
At present times, it would be a lot better idea if a driver would carry more coverage for car insurance than what the law requires. Nearly all states mandate some kind of minimum coverage that a vehicle owner should possess. Unfortunately, in a lot of instances, these principles hardly give enough to provide coverage for slight injuries and damages, let alone higher medical expenditures or repairs for automobiles. Hence, in case you’re more than just the occasional motorist and you could manage to pay for it, it is likely for your own good to have the business-suggested amount of insurance.
Illinois would require you to have car insurance coverage minimum of $20,000 for bodily injury, $40,000 for physical damage and $15,000 for property damage or 20/40/15. In comparison to the suggested coverage of business standards and consumer groups, you should have 100/300/100. In case you have already experienced being in the hospital, you realize how fast the expenses could total, and even small repair expenses on luxury vehicles could be more than the required minimum of the state. Moreover, Illinois mandates all drivers to have uninsured or underinsured motorist coverage in their car insurance policy in case they get into an accident with a driver that doesn’t have insurance or doesn’t have enough insurance. You also have the option to get collision and comprehensive coverage that will pay for the damages on your car caused by other vehicles or objects and natural causes.
Auto Liability Insurance In Arizona
Reader’s Question:
Im moving to Arizona next month and I would like to know if Im required to get auto insurance in Arizona?
Bill
Glendale, AZ
Most states requires you to have auto liability insurance. All states also have financial responsibility laws. Even if the state does not require auto insurance, you are required to have sufficient assets to pay auto insurance claims if you cause an accident otherwise you need to buy the required minimum liability insurance of the state.
Auto insurance in Arizona has the required coverages of Bodily Injury and Property Damage. The minimum required limits are $15,000 per person and $30,000 per accident for Bodily Injury and $10,000 per accident for Property Damage.
Illinois Car Insurance Discount Tips
Reader’s Question:
Hearing insurance agents and brokers here in Illinois talk to you about car insurance coverage, you’d think their talking about rocket science! Can you give me an idea of how car insurance would work for an ordinary person like me?
Nigel
Bloomington, IL
I agree, car insurance shouldn’t have to be as difficult to understand as Quantum Physics. Here is a simple explanation of what a typical car insurance policy consists of and what it does for you there in Illinois:
Liability Coverage – this is insurance to protect you in case you are sued for damages or injuries you cause in an accident involving your vehicle. There are two types:
· Bodily Injury – pays for injuries to each person you injure ($20,000 minimum in IL) and for every person you injure in an accident (min. $40,000 IL)
· Property Damage Liability – pays for damages you cause on properties (min. $15,000 IL)
Personal Injury Protection (Med Pay)- pays for your medical and hospitalization bills (as well as your passengers) in a car accident. Can also cover lost wages and even funeral expenses.
Collision Coverage- pays for repairing or restoring the insured value of your car in an accident, or reimbursing you if your car was totaled.
Comprehensive- covers you in case you lose your car to events and incidents not related to a car crash (theft, vandalism, natural disasters etc.,).
Uninsured/ Underinsured Motorist- Compensates for your damages in case the party responsible for causing the car accident has limited or no insurance coverage to pay you.
These are the basics and the most important parts of your policy. You should also take advantage of a free car insurance quote check on this website so you can compare rates between many providers and get the most competitive rates available.
Cheap Missouri Auto Insurance Coverage
Reader’s Question:
Can you put into layman’s terms these terminologies auto insurance coverage to help me understand them more fully? I live in Missouri.
Rachel
Jefferson City MO
It is advisable that you know what you are paying for. Those for your auto insurance coverage, you must understand what coverage you are paying for and how will it protect you. It is recommended that you know them now before it is too late when you will have to make claims but you realized you have not be paying for it.
The most basic coverage offered by all auto insurance policies is the “liability coverage.” This will protect your from having to pay, when a road accident occurs, for injuries that you have caused to other people and to damages that you have done to their cars. Usually written in three numbers, it reflects the maximum amount your policy will pay for injuries per person, total cost of injuries in an accident and damages done to properties. For example, 25/50/10 liabilities coverage will mean the policy will pay for $25,000 for injuries per person, a total of only $50,000 cost of injuries in the accident, and $10,000 in property damages with Uninsured Motorist Bodily Injury of $25,000/$50,000 Limit
You will also have the option to add on top of your basic auto insurance coverage, collision insurance and comprehensive insurance.
Collision insurance will pay for any repairs due to damages done to your car. To think, when someone else is responsible for the accident, his auto insurance policy will pay for the damages he caused to your vehicle. This makes collision insurance coverage unnecessary for some people. Additionally, if you are sure that you can drive safely as much as possible, all the more this type of insurance is not necessary.
On the other hand, comprehensive coverage will pay for the repairs of your car due to damages by literally almost any possible causes such as vandalism, attempted burglary, and even forces known as “acts of God” such as earthquakes, storms and blizzards.
There are still more types of additional auto insurance coverage:
- Uninsured/underinsured motorist that covers you from negligent drivers with not enough insurance or none at all;
- Medical reimbursements, though not available in all states, that will pay for medical costs that you and your passengers incurred; and
- Rental reimbursement to pay for necessary expense when you have to rent a vehicle because your own car broke down.
Cheap Car Insurance Rates New Jersey
Reader’s Question:
What are the things that I should be aware of about my car insurance rates here in New Jersey? Also, could you give me some pieces of advice to get as much savings as I could?
Scott
Newark, NJ
Your car insurance coverage in New Jersey may be a complex thing but a small amount of help could clarify a lot of uncertainties. Car insurance has three most important types that you should know. First is the property coverage that would cover for any damage to your vehicle. It could also provide coverage in case your vehicle is lost or stolen. Second is the liability coverage which would cover the losses and damages that you may cause to other individuals. In case your vehicle crashes into another vehicle, liability coverage would pay for it. In the even that you cause any bodily injury to another individual, it covers the expenses as well. Third would be the medical coverage which would pay for the medical expenses caused by the accident. It would also cover the rehabilitation, lost wages and funeral expenses because of the mishap.
To get as much saving as you could for your New Jersey car insurance, you may opt to pick a high deductible. Keeping an outstanding credit rating would also help in getting better car insurance premiums. Aside from that, you also have to keep a clean driving record and be certain that you won’t get any traffic infractions. If you have other insurances such as home, life and health, you can put it under the same insurance company to get a multi-line discount. Lastly, you need to always compare car insurance quotes everytime you’re in the lookout for coverage.
Auto Insurance Question: What Is An FS-1 Form
Reader’s Question:
Can you please tell me what an FS-1 document is in North Carolina?
Henry
Durham, NC
The FS-1 is a document used in the state of North Carolina. The North Carolina Department of Transportation states that when titling / registering your automobile in North Carolina you must show proof of auto insurance.
The required minimum liability insurance for a private passenger vehicle are:
- $30,000 for bodily injury for one person up to $60,000 bodily injury for two or more people per accident and
- $25,000 property damage.
The state of North Carolina law requires each car insurance company to inform the Department of Motor of Motor Vehicle when coverage has been cancelled, terminated or lapsed.
To show proof of insurance coverage to the DMV you can contact your car insurance agent to get the FS-1 form.
Auto Liability Insurance In Oregon
Reader’s Question:
I dont own a vehicle but I do have a drivers license in Oregon. Am I required to get auto liability insurance in Oregon?
Brandon
Eugene, OR
If you do not own a vehicle, or neither in your household has a vehicle in which you should be on the insurance policy listed as a driver, then you do not have to carry auto liability insurance in Oregon.
In Oregon the mandatory insurance law (ORS 806.010) requires motorist to insure their car. The basic minimum liability insurance a driver must have is:
- $25,000 for Bodily Injury and Property Damage Liability per person / $50,000 per accident for injury to others and
- $10,000 Property damage liability per occurrence.
- $15,000 for Personal Injury Protection (PIP) per person.
- $25,000 for Uninsured Motorist Coverage per person / $50,000 per occurrence for bodily injury.
If you do not have a vehicle in which to put insurance and want car insurance policy to cover you when you drive other people’s vehicle (as secondary insurance to the auto owner’s primary insurance) you can get non owners car insurance policy.
What Are The Different Types of Auto Insurance Policies?
Reader’s Question:
What are the types of auto insurance coverage that I should know about before I sign up for a policy here in California?
Justin
Oakland, CA
Auto insurance in the state of California has various types of coverage and this will be based on the kind of auto insurance claim that would be paid out to the policyholders and other people involved. A type of auto insurance coverage would be the personal injury protection or what is commonly known as PIP. PIP will give protection to the motorist or the policyholder and others, which depend as to who was in the vehicle when the accident happens. PIP will also give medical coverage no matter who caused the accident.
One other type of auto insurance coverage would be the liability insurance that will cover the damages sustained by the other driver in an accident wherein you are at fault. In case there will be a lawsuit filed against you, your auto liability insurance would also provide legal assistance. Bodily injury and property damage are two kinds of liability insurance. Majority of auto insurance providers in California offer the same auto insurance policies. These types of auto insurance coverage will pay for anyone who is injured or killed in the accident in which you are at fault. You might think that the price of auto insurance is expensive when you buy coverage; however, it would be nothing in comparison to the amount you would have to shell out in case you don’t have any auto insurance coverage.
Uninsured Motorist Car Insurance In Arizona
Reader’s Question:
In Arizona, what does uninsured motorist car insurance cover?
Andrea
Phoenix AZ
The Uninsured Motorist car insurance in Arizona covers you or passengers in your car for bodily injury you or your passengers sustain in an accident involving a motorist who has no car insurance. This is according to the Arizona Department of Insurance.
There is also Underinsured Motorist coverage which covers you or passengers in your car for bodily injury you or your passengers sustain in an accident involving a motorist who does not have enough insurance to cover the your injuries or your passengers.
This coverage also covers your medical bills, loss of earnings and pain and suffering if you suffer injuries due to negligent motorist who lacks auto insurance, including a hit-and-run driver.
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