what are the requirements for car in surance in the usa states?

Question

I would like to know what kind of car insurance do you need to have in every state.

Answer 1

My question to you is why would you need car insurance in every state. The car insurance that you carry on your car in the state that you live will travel with you from stated to state. if you decide to move to a new state you would have to obtain insurance from that particular state. Each state has different guidelines which transfers into different limit for personal injury property damage and limits they will pay out per claim. Most insurance companies have the same deductibles which might range from $100.00 up to $500.00 per claim according to how much premium you are willing to pay.

Answer 2

John M has the best answer so far. The problem with mbrcatz17 is, your insurance will pay up to the limits in the policy regardless of where the claim arises. States don't require non residents to meet their liability minimums as long as the meet their home state requirements. This is the same as not requiring a separate drivers license for each state you drive though.

Answer 3

I am licensed in 48 of the states, and I must say NEVER go without insurance. Everyday, millions of ppl across the US get in a car accident. I would ALWAYS recommend these coverages if you can afford it:
100/300 bodily injury- this means if you HIT someone and its YOUR fault, the other persons medical bills will be covered up to 100,000 per person, or 300,000 for the entire car's medical bills.
100,000 for property damage- if you hit another persons car, house, or any proprty that is not yours, you would be covered up to this amount on the damages.

I always recommend uninsured and underinsured motorist at the same limits because if someone hits you and their insurance is not enough to cover the accident, or if they do not have insurance at all, your medical and your passengers medical bills will still get paid.
Medical Payments of ATLEAST 5,000 help your passengers incase they dont have medical insurance and if you cause the accident. Most people do not realize that if your best friend was in the car with you as you cause an accident, and your friend goes to the hospital without any health insurance, she would be paying off those medical bills all by herself. Atleast with medical coverage you can help her out.

Coverages for your car:
Collision and Comprehensive- you chose a deductible (usually 500) to pay out in the even of an accident or a claim to have your car repaired. Most people do this is their car is of a certain value. Its NOT required by law
Rental Coverage- If you rent a car when your car is being fixed, you may want this coverage so that you receive a reimbursement for your money.
Towing and Labor Coverage- aka roadside service- If your car breaks down and you need it repaired right away, each company has their own standards for that.

If you are unsure of what your law mandates, you can always call an insurance company for information. Also, Before signing up with an insurance, you can go to www.ambest.com to look up the companys reputation for claims and their financial stability. I recommend Allstate, only cuz I work there and I know its ratings for financial strength. Good Luck

Answer 4

It varies from state to state. You can do a yahoo search for "(state name) car insurance requirements" to bring it up.

You buy the policy in ONE state, and the policies all have a condition in it, that says if your liability limit meets the minimum requirement needed in your home state, the policy will ALSO meet the minimum requirements in any other state you happen to be in, even if the minimum is higher than the amount you purchased. This keeps you legal in all the states.

Example: You purchase a minimum liability policy, $10,000 per person, $20,000 per accident, $5,000 property damage. You drive to another state, where the minimum limit is $20/40/10. If you hurt someone in an accident, in that other state, your policy will pay $20/40/10.

Answer 5

Every state requires proof of financial responsibility. Typically this is provided through insurance. Each state has its own minumum liability requirements. These minumums are a bad joke for the most part.

If you finance a vehicle or lease one you will also need collision and comprehensive coverage as well. This is mandated by the finance companies, not by state law.

Answer 6

First I must tell you that the 2 answers that precede this one are incorrect. I am a licensed agent in Wisconsin. Wisconsin (for example) does NOT have mandatory insurance.
Many states will have similar insurance coverage laws but they are NOT all the same and so there is no single answer to your question.
Best that you talk to law enforcement or the department of motor vehicles in the states you are concerned with to get accurate answers.