Insurance Factors Commonly Differ from State to State

Whenever you move across the country, or just across state lines, the difference between state laws quickly becomes evident. This is most obvious in auto insurance requirements. From state to state insurance requirements, penalties and offerings can vary greatly. Different states handle the types of coverages required, the minimum limit requirements and how accident fault relates to financial responsibility. In each state different state auto insurance laws mandate what minimums motorists adhere to. Some states do not have any minimum coverage requirements.

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State insurance laws often require a combination of several different types of coverages. The first type of coverage is Bodily Injury Liability. Bodily Injury Liability pays for the bodily damages of someone you injured in an accident. Property Damage Liability pays for property damages the driver is found at-fault for. Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage coverage offers protection against damage caused by an uninsured motorist. Uninsured motorist protection is not required in as many states as is Liability Insurance. The state assigns each of these coverages a minimum limit of coverage. Insurance companies express Bodily Injury Liability limit minimums in terms of per person and per accident. A majority of states that require Bodily Injury Liability require twice the limit of per person coverage for the per accident coverage. States that require Uninsured Motorist Bodily Injury limits use the same double limit rule for per person and per accident limit minimums.