Does your State have Mandatory Auto Insurance Requirements?

All US states have a series of mandatory requirements and road users must meet these stipulations if they are using state roads and freeways. Failure to cover the basic requirements can lead to a string of different convictions including fines, driving suspensions and even imprisonment. Driving without the minimum level of auto insurance will also lead to expensive auto insurance quotes the next time a policy is applied for.

Motorists could be easily forgiven for becoming confused. For a start, the US uses two different auto insurance methods and these are known as the Tort and no-fault systems. While drivers in Tort states will be held accountable for their driving actions by virtue of their auto insurance policy, drivers in no-fault states claim from their own carrier irrespective of who was at fault in an accident.

All states require motorists to carry liability insurance and this offers protection against personal injury and property damage. Mandatory levels can vary greatly from state to state and much depends on accident statistics, population density and crime rates. Drivers in rural areas tend to have less restrictive mandatory requirements while those living in towns and cities are expected to purchase more coverage.

To find out exactly what you state requires of you, it is highly important to visit the website of your local Department of Motor Vehicles. As well as establishing mandatory requirements, your local DMV website will also offer advice on increasing your coverage to help prevent any unnecessary out-of-pocket expenses in the future.