Car Insurance In United States

Car Insurance In United States

Car Insurance In United States

Car Insurance in United States, auto insurance covering liability for injuries and property damage done to others is mandatery in most of the states, different states enforce the requirement differently. The state of New Hampshire, for instant,motorists are not require to carry liability insurance , while in Virginia residents must pay the state a $500 annual fee per vehicle if they are not purchasing liability insurance. Penalties for not purchasing auto insurance vary by state, but often involve a fine, license and/or registration suspension or revocation, possibly jail time. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.

Several states, like California and New Jersey, have enforced "Personal Responsibility Acts" which put further pressure on all drivers to carry liability insurance by preventing uninsured drivers from recovering noneconomic damages (e.g. compensation for "pain and suffering") if they are injured in any way while operating a motor vehicle.

States, like North Carolina, require that a driver hold liability insurance before a license can be issued.

Some states require that insurance be carried in the car at all times, while others do not enforce this law. For example, North Carolina is not rigid about proof of insurance in the vehicle; however, NC does state that you must have that information to trade with another driver in the event of an accident. Whether a state specifies you must have proof of insurance in the car or not, it's always advisable to have the information on hand in case an officer should request it.

Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date

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