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The Right Auto Insurance Laws For Auto Insurance

There are cases when you will find yourself borrowing someone else’s car or driving someone else’s vehicle. If you are wondering what the auto insurance laws about when you are driving a vehicle which is not yours, the best way to answer it is to contact the insurance carriers. Contacting both yours and the vehicle owner’s directly will be the best way to make sure you are following the law. Although laws will vary from state to state, there are some general rules that seem to apply.

Almost every state has a mandatory auto insurance law. That means that to operate a motor vehicle in the state for which you live, you will need a certain minimum coverage. Most states require at the minimum that you have something called collision insurance. Collision insurance is insurance that will cover an individual in the case of an accident. It covers liability for physical damage and bodily injury. Each state has different limits to the liability and different minimum dollar amounts which must be covered. Just because you have the proper insurance coverage, don’t assume that another person does when you step behind the driver’s wheel.

In general, if you should be driving another individual’s vehicle and an accident occurs there are many factors that will play into which insurance carrier will cover the damage. If the other party is at fault, then their insurance carrier is liable for the damage whether it is your car or not. If you are found at fault then the responsibility falls upon the car or the drive— you. In most cases, the liability will fall onto the insurance of the car. That means that it will fall onto the owner of the vehicle. Their insurance carrier will be responsible for the damages resulting both physical and bodily. If there was no insurance on the car, then the responsibility will fall onto your insurance. If there are exclusions or exceptions built into the policy of the car being driven that specifically state that it will only cover those individuals named, however, the liability will fall solely on the driver.

If you are operating a vehicle that is used for commercial use, designated as commercial use only, then your personal policy will not cover the damages. If you use a commercial vehicle for business purposes, it is imperative then that you make sure the vehicle itself is carrying the appropriate amount of insurance to cover drivers other than those named.

It is always best to not make assumptions, especially when operating a motor vehicle. Just because you are responsible and covered for your own vehicle, does not mean that the friend who is willing to lend you his car is as well. Getting a copy of the insurance prior to driving it to make sure that it is current is always a good idea. Following up to make sure that there are no exclusions or exceptions to others not named on the policy driving the car, is an even better idea. Before worrying about what your friend or family member is doing with their insurance, make sure that yours is current and that you are getting the best deal.

Scroll up to the top of the page and input your zip code into the box. Within moments, you will receive a free rate quote allowing you to compare your existing rate to others available. Don’t waste another day overpaying for your auto insurance needs. Get the information to make the most informed choice possible. Each state will have its own auto insurance laws enacted before making any assumptions it is always best to do your research and keep yourself protected.