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Car Insurance Basics

November 19, 2009

Every state has a guideline for car insurance that residents are supposed to adhere to. There is no excuse for not following the laws, but there is punishment. Insurance varies by state and plan. All states have minimum coverage requirements for bodily injury and property damage. The insurance agency that you do business with will inform you of specifics for your state, and you must have at least the minimum requirements to be an insurance holder at all and drive legally wherever you live.

Take Washington state for instance.The required minimum bodily injury coverage is ,000 per person injured in any one accident, or ,000 for two or more people injured in any one accident. The required minimum property damage coverage is ,000 for damage to the property of others in any one accident. Washington does have some optional car insurance coverage. You can purchase a plan that equals the amount of bodily injury coverage required to cover you in the event you have an accident with an uninsured motorist. it is also required that you be offered personal injury protection. This portion of the plan provides for a minimum of ,000 in medical expenses and ',000 for funeral expenses, ,000 for income continuation, and ,000 for loss of services. Some stipulations apply. Interesting enough, there are no insurance requirements in Washington for motorcycles.

In the state of Indiana the required amounts of car insurance are the same. Also it remains the same for the uninsured motorist, but there is difference in the under-insured motorists, the law requires a minimum of ,000 coverage.

Maryland has a total different set of rules to abide by. The minimum requirements are ,000 per person injured in any one accident and ,000 for all persons injured in any one accident. And ,000 for injury to or destruction of property of others in any one accident. They are offered a personal injury protection plan at no less than ',500 per person for medical, hospital, and disability benefits, as well as loss of income benefits of up to 85 percent for three years. If they client rejects this plan, it must be in writing.

See the information we have about your state requirements or get started comparing rates with a free car insurance quote online.

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