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A Guide To Auto Insurance In America

In all states in the US, proof of financial responsibility is an obligation that all drivers are supposed to carry. This is because the government has taken this crucial step to ensure that when you hit someone in a car accident or if you are involved in a road crash in which you are at fault, you should be able to pay for the damages, costs and expenses associated with such an unfortunate occurrence.

Research shows that big number of drivers on the roads of this great nation does not have valid auto insurance which is also against the law. The minimum liability insurance requirements in each state are different according to the statutory laws regulating the individual states. It is however a requirement that most of the states have as a means to safeguard the citizens.

For example, when you are in Pennsylvania, the minimum liability insurance you are supposed to carry is $15,000 per accident for injury or death to one person, $30,000 for each and every accident in which more than one person have suffered physical injury or have perished and $5,000 for property damage for every accident. This is the state required minimum coverage one should have when driving anywhere within the state. The amount varies from state to state. For example, in Texas, the above rates change to $30,000, $60,000 and $25,000 for the above named situations, respectively.

However, there are a number of ways that are perfectly fine under auto insurance laws to show such financial responsibility that would amount to the same effect purchasing car insurance from a legit and licensed auto insurance carrier anywhere in the US. You can get insurance which essentially means that if you have fleet of a certain number of vehicles e.g. 25 or more, then you can sufficiently cover for any damages and costs that may accrue in the event of a car accident and you can go to your local DMV.

Another way to show financial responsibility is to deposit a certain amount of money in the form of cash that cashier’s check or even securities with either the county comptroller or the county judge. You may also achieve financial responsibility by filing for a surety bond whereby you will have to list tow persons who legally own real property within the state in which they are applying for the surety bond. The most common way to show financial responsibility for most Americans has traditionally been the purchase of cheap auto insurance from a trusted and reliable car insurance company.

The law requires that you be able to show sufficient proof that you are validly covered at any one time you are driving. When pulled over by a law enforcement officer are required to be able to produce your auto insurance card or any other proof that you are covered e.g. your insurance certificate.

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