Car Insurance Laws and Penalties | CarInsurance.com
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Laws and Penalties


Liability Requirements by State

Find out what car insurance coverages you must have to drive in your state. While nearly all states require minimum levels of liability, which pays for others' injuries and damage you cause in an accident, some states also mandate that you have additional types of car insurance, such as uninsured motorist or personal injury protection.

Tort Insurance Law

Learn the role tort law plays in car insurance accidents. Some states are "tort states," which means you are responsible for compensating people you injure in an accident. Typically, this is covered by your liability insurance, up to your limits.

No-Fault Insurance Law

No-fault insurance laws come into play in "no-fault" states, which means car insurance you're required to buy pays for your injuries regardless of who caused the car accident. Find out the information you need on the 12 no-fault states.

How Tickets Affect Your Insurance

Learn what happens to your car insurance policy when you get a ticket. In some cases, your rates may go up.

Driving Without a License

The penalties for driving without a license are outlined by state.

Driving Without Insurance: Penalties by State

Find out what fees and penalties you face if caught driving without insurance.

Lapse in Insurance Coverage

Here we show you how much your rates increase if you let your insurance lapse, as well as what fees and penalties you face in your state.

Cellphone Use While Driving

This article outlines laws that govern the use of cellphones while behind the wheel. You'll also learn whether or not a cellphone ticket will raise yoru car insurance rates.

Total-Loss Thresholds 

Whether your car is totaled or not after an accident depends on your state's total-loss threshold law. Legally, insurers are required to declare a car totaled and apply for a salvage title once damage reaches a certain point under your state's law. Learn all the information you need to know about your state's total-loss threshold.


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