Auto Insurance
- What is auto insurance?
- What is covered by a basic auto policy?
- How much coverage do I need?
- What determines the price of my policy?
- Can I drive legally without insurance?
- How do I choose an insurance company?
- What does my credit rating have to do with purchasing insurance?
- How do I insure my teenage driver?
- Should I purchase an umbrella liability policy?
- Will my insurance cover renting a car after an accident?
- How do I file a claim?
- Can my insurance company require me to use certain types of auto repair parts?
- How are the value of my car and the cost of repair determined?
- What are my rights when filing a claim?
- If I file a claim, will my premium go up?
Can I drive legally without insurance?
NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don't have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents may cost far more than the minimum limits mandated by most states.
If you've financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.
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