This Article is About
own car
insurance policy
medical bills
car insurance
car accident
different ways
accidents
Car Insurance Laws
Join 1000's of Authors at StreetArticles Today!

Every state has its own car insurance laws, so just because you know what’s required of you in one state doesn’t mean you have what you need if you move to another state. When thinking about procedures for handling claims following accidents, there are basically three different ways the states handle this. These methods are:

• Tort • No-fault • Add-on

If you live in a state that uses the tort method, this means that if you are involved in a car accident, the person who caused the accident (the person considered to be “at fault”) can be sued by the other person for losses or damages. Every state that uses the tort process in its car insurance laws has its own variations on how this works.

Contrast that with the no-fault states. Your insurance company will pay for your losses and damages, and the other person’s company will pay for his. But your company will only pay up to the limits set in your policy. You can’t file a lawsuit against the other person in an attempt to put the blame and the financial responsibility on them, so that they pay for damages above what your insurance policy covers. That’s right, even if they were at fault. But no one can sue you either.

Your insurance company, however, can go after the other person’s insurance company if they believe that the other driver was at fault. If the other company agrees, it will compensate your company for what they paid you. If you live in one of the add-on states, then what happens is basically a combination of tort and no-fault. If you are involved in an accident, your insurance company pays you for the losses you incurred, whether these involve repairs to your car or medical bills for treatment of injuries you got from the accident. But there are no legal restrictions preventing you from filing a lawsuit.

Other car insurance laws concentrate on how much insurance you need. Each state has its own minimum requirement. Generally they specify how much coverage you need in case you cause bodily injury to another person, the total amount for bodily injuries for every person involved in the accident, and the amount you need to pay for property damage.

The most common time people run afoul of these laws is when they move to another state. With everything they have to do related to their move, they don’t think about their car insurance. Add to your moving checklist a call to your insurance agent to make sure your current policy will meet your new state’s requirements. The last thing you want to happen when you move to a new state is be fined for breaking its car insurance laws.


Street Talk

No comments present
You May Also Like
State Life Insurance And Its Policy Plans
The working of state life insurance company is with the point of view to encourage different customers. A company main objective is to provide benefits to their customers and shield them as of several of unforeseen harm by recommending the appropriate policy plan at reasonable price. A company is offering…
By: anamzara in  Insurance  >  Car Auto   May 02, 2016  
0
  Likes: 0

Auto Insurance Rates And How to Keep Them Down
Auto Insurance is a contract between your car owner and also the insurance company. It's simply the premium that you accept invest in your car insurance policy. It protects you against financial losses and comprehensive or collision side mirror in case your car gets damaged, stolen, or if you will…
By: carpartscovered in  Insurance  >  Car Auto   Apr 14, 2016  
0
  Likes: 0

Easy Access to Loya Insurance
One of the most well-known and fastest-growing companies in the United States, with well over 500 agencies in 12 states across the country is LOYA Insurance. In the attempt to be "local", Loya has strategically placed the offices in many population centers. People often visit locations as they go to…
By: Zarusky Nalaninaskaya in  Insurance  >  Car Auto   Apr 13, 2016  
0
  Likes: 0

The Best Ways to Get Online Car Insurance Quotes
When you buy a car, the next you do is buy car insurance and without it, you are risking your life. One of the most common questions online car insurance shoppers ask is how can we find the most reliable car insurance quotes online? With the rise in online insurance…
By: RachelLewis in  Insurance  >  Car Auto   Mar 17, 2016  
0
  Likes: 0

Budget - friendly Loyal Car Insurance
Although insurance rates have edged up the last few years, it is possible to find still budget friendly automobile insurance. The team at Loyal Insurance will personalize an insurance plan that fits your spending plan, no matter how tight it is. Discovering cheap auto insurance coverage can be difficult if…
By: Zarusky Nalaninaskaya in  Insurance  >  Car Auto   Mar 17, 2016  
0
  Likes: 0

Car Insurance Policy Charges - - Able to Choose Complete Rate
You need to which auto insurance protection you will have? Provides the idea recently been concerning the real cars get older, or even your personal traveling capability? Considering unclear about the vehicles heritage? If you are, chances are that the lending company printed into your agreement precisely what coverage you…
By: Autoinsuarnce00 in  Insurance  >  Car Auto   Mar 01, 2016  
0
  Likes: 0

Evaluate Auto Insurance Costs - - Exceptional Lower Price As Well As Benefits Intended for Customers
One of the handiest areas searching for the most beneficial online car insurance insurance policies are generally the internet. Additionally, once you've perused using a couple of reliable websites, you can actually toenail recorded upon a number of corporations and also assess automobile insurance. regarding these types of. To accomplish…
By: autoinsurancerates12 in  Insurance  >  Car Auto   Feb 26, 2016  
0
  Likes: 0

Its the Demon Hunter 98 - 110 Leveling Predictable Real Truth That Will Your Business Things
Buy WOW gold,buy WOW BOE items in security with cheap price.Safe WOW mounts for sale with instant delivery.Top raid teams will help you get WOW gears fast. Excellent customer services as you wish. Its the demon hunter 98 -110 leveling predictable real truth that will your business things and so…
By: appgamenews in  Insurance  >  Car Auto   Feb 16, 2016  
0
  Likes: 0

They Are Currently Going One Of the Best BNS Gold Growth Most Of Us May Possibly Learn
That important unit will be built from Blade and Soul Gold steel, nasty, extremely group of musicians iron substitution stuff or anything else. Professional team will help you get Game Currency FIFA Fifa 16 Ultimate Team ,WoW Gear Raiditem easily. Its very popular inside presentation marketplace. Yet another necessary device…
By: appgamenews in  Insurance  >  Car Auto   Feb 16, 2016  
0
  Likes: 0

Know the Best Car Insurance In Singapore
With the rapid development of social economy, the government of Singapore has paid more and more attention to the daily life and personal safety of citizens. In recent years, many insurance companies have set up its personal insurance.Such as medical insurance, employment insurance, automobile insurance and other insurance companies. Today,…
By: hlasinsurance in  Insurance  >  Car Auto   Jan 21, 2016  
0
  Likes: 0

Finding The Best Classic Car Insurance In California
Classic car insurance California works for people who own old cars they cherish and want to protect from anything bad. For those with such collectible cars, then they have to make sure their precious car is not destroyed because they have not taken a simple insurance cover. The classic insurance…
By: Caelan in  Insurance  >  Car Auto   Mar 29, 2013  
0
  Likes: 0

Make Your Home And Business Safe With Quality Insurance Policy
Both home and business are extremely valuable for every human being as they are their personal assets. Home is the 'Abode of Peace' for the homeowners whereas the business brings them resources to live. There can be no substitutes or alternative for them and that is why every homeowner and…
By: Jimmy Fernandez in  Insurance  >  Car Auto   Dec 19, 2013  
0
  Likes: 0

Information on Auto Insurance and Why You Must Insure your Car
If you own car, most probably you have a rough idea about what is meant by an Auto Insurance. However, a detailed and comprehensive understanding of the different aspects of a typical Auto Insurance scheme is vital if you want to select the best auto coverage and policy for your…
By: Nick Thomas in  Insurance  >  Car Auto   Jun 28, 2011  
0
  Likes: 0

Auto Insurance In Mckinney, Tx: How To Insure Your Teen For Less Money
auto insurance mckinney txWhile your 15-year-old is calling his friends to tell them about their learner’s permit, you should be calling your insurance agent about auto insurance in McKinney, TX. And when you make that call, brace yourself, because your insurance will increase substantially when you add a teenager to…
By: Jim Smith1 in  Insurance  >  Car Auto   Nov 12, 2015  
0
  Likes: 0

The Five Things You Need to Do After An Auto Accident
Being involved in an auto-accident, regardless of who is to blame, is always a terribly unfortunate situation to endure. After the accident, there are a few important steps one must take in order to ensure that the accident itself is the worst part of the entire ordeal. These steps are…
By: Alicia Magill in  Insurance  >  Car Auto   Jun 25, 2015  
0
  Likes: 0

Article Views: 1918    Report this Article