Minimum car insurance

All the states of the USA are required to purchase a car insurance policy to drive legally on the road. Minimum car insurance is mandatory for drivers in all the states of the USA but the requirement of coverage limits of minimum car insurance is different in all the states. In some states of the USA, drivers are required to carry medical coverage or uninsured motorist coverage as a part of the car insurance policy.

Police can arrest you and suspend your license if you are caught driving without minimum car insurance required by the state. To protect yourself from paying fines and penalties you must need to purchase minimum car insurance. In case of an accident if you want to recover the losses then you need at least minimum car insurance to file a claim to recover the losses otherwise you would have to pay for the damages from your pocket.

Minimum car insurance provides liability coverage which protects you against the property damage and injuries to others if you are at fault in an accident. Minimum car insurance provides two types of protection:

• Bodily injury liability

Bodily injury liability helps to cover the medical expenses and hospital bills of others caused by you in a car accident.

• Property damage liability

Property damage liability helps you to cover the cost to repair the damages caused to others’ vehicles when you hit another drivers’ car.

Minimum car insurance coverage limits

If you do not have minimum car insurance then other drivers can sue you in the court to cover the damages if you are at fault in an accident. Before purchasing car insurance policy you need to check minimum car insurance coverage limits according to the state where you live.

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