All US states have some kind of mandatory requirements in place to ensure that road users are driving with adequate auto insurance coverage. Although these requirements vary from state to state, the importance of purchasing a minimum level of auto insurance should never be underestimated. What’s more, it’s equally as important to understand how the law works in the state that you live in.
Each state has a minimum level of auto insurance that must be carried by all motorists. More often than not, these will requirements will include bodily injury liability and property damage liability. Some states also demand that road users purchase personal injury protection to cover the costs of their own medical treatment. Uninsured and underinsured motorist coverage is another consideration that many states insist on.
Motorists in no-fault states are expected to claim on their own auto insurance policy irrespective of which driver is deemed to be at fault in a road traffic accident. Motorists are not allowed to file law suits against other drivers in no-fault states and this particular method of auto insurance law was originally implemented to help reduce the backlog of cases in the US court system.
The Tort system is used in the majority of US states and is implemented as a means of establishing financial responsibility in the wake of a road traffic accident. Liability coverage is an integral part of the Tort system and road users are usually advised to take out higher levels of auto insurance coverage than those provided in basic policies.