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How Car Insurance Laws Vary From State To State

If you are a licensed driver with a registered vehicle in the United States, it is imperative that you have at least the state minimum requirements when it comes to car insurance. This can help to protect you and others in the event of an accident or damage to your car. Each state has the ability to write and enforce its own laws when it comes to vehicle insurance requirements, but full faith and credit ensures that motorists traveling from state to state are covered under their original state's laws.

If you plan on buying a car in the near future, you will want to make yourself well aware of your state's car insurance laws ahead of time. This way, you will know how much coverage you need to purchase and approximately how much it will cost. In most cases, you will need to provide the seller of your vehicle with proof of insurance before you will be able to drive the car off the lot.

How Insurance Laws Vary There are a number of ways in which insurance laws can vary from state to state. For the most part, every state has laws in place that require drivers to carry at least a minimum amount of bodily injury and personal injury protection coverage. This helps to pay for medical bills and related expenses from injuries caused by an accident and damage to one's property. However, the specific amount of coverage required by each state can vary immensely. There are also some states where ""uninsured motorist"" coverage is a requirement. This type of coverage protects drivers in the event they are involved in an accident with somebody who is illegally driving without insurance.

More About Driving Owning and operating a vehicle is a huge responsibility, so be sure to study up on your traffic laws and safety regulations to help avoid accidents and unsafe situations while behind the wheel. Consider putting your knowledge to the test by taking a DMV practice test online.