The law clearly states that you should not have a vehicle on the road if it's not insured. In most states, the primary requirement is third-party coverage. However, you will find that many motorists operate their vehicles without coverage while others have expired insurance. In such cases, you will face legal repercussions if you get arrested for driving without insurance. You might also get in trouble with your insurance service provider if you don't renew your premium on time. Here are some frequently asked questions about driving without coverage.
Must You Insure Your Car?
It is a legal requirement to get insurance for every vehicle under your name in almost all states. Note that some form of insurance is a requirement, regardless of where you live and, in some cases, even when you don't own a vehicle but drive one regularly. If, for example, your child just turned 16 and is using your car, you should take them to your service provider for registration. You should then add them to your policy to protect them against many liabilities on the road. Note that if you get involved in an accident in most states, your policy proves that you can financially handle the destruction and injuries caused. So, visit an insurance carrier to discuss the minimum requirements to avoid legal complications.
For Which Liabilities Should You Get Coverage?
There are two liabilities that you get coverage for when you get insured. These include personal injury and damage to belongings. The first will cover the medical expenses the people in the other car involved in the accident might incur. Moreover, if you are the negligent driver in a vehicle accident, your carrier will also cover the damage caused to the other vehicle. In addition, they will also pay for any damages caused to the other person's property. On the other hand, you might need a policy for motorists without proper coverage in some states. This comes in handy when you're involved in an accident with someone that doesn't have coverage to cater to damages caused to your vehicle.
Can You Skip Coverage for Rarely Used Vehicles?
Many also feel they are wasting resources when they get coverage for rarely used vehicles. However, if you cancel the insurance and get the car back on the road later, the insurer might subject you to higher premiums. With this in mind, switching to car storage insurance is best.
These are crucial things you need to know about vehicle insurance. So, talk to your auto insurance provider for guidance and advice on protecting yourself from liabilities on the road.