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If some states do not requiure you to purchase auto insurance? |
who then will become liable if you are in an accident that the uninsured driver caused, and if you are not required to have auto insurance how does that effect you if you are traveling from state to state. The person who is liable is the one who caused the accident. The fact that one doesn't have insurance does not relieve them of financial responsibility if they cause a car accident. If a person refuses to pay for damages they cause, the person whose car was damaged can file a lawsuit, and if they win, can potentially garnish the defendant's wages or bank account, etc. Some states require liability insurance so that people don't have to endure this process. If you are driving in a state that requires that you have liability insurance, then you need to have it (even if your home state doesn't require it). If you are stopped and do not have evidence of liability insurance, you will be given a citation. The same would hold true, for instance, if you lived in a state that allowed dark tinting on your windows. If you want to drive legally in a state that doesn't allow tinting, then you'll need to have the tinting removed. If the person has uninsured insurance they pay 500 dollars for just the other vehicle if they hit it. All states require some type of auto insurance. You'd have to sue or purchase no-fault insurance to cover you and allow the insurance company to sue the person. If you have to have insurance in a state that isn't your home state, then you're gonna have to pay the fine just like anyone else should you get stopped or you have a accident. Fact of the matter is, anyone who drives a vehicle without at least no-fault insurance is a fool. Whether the state requires you to carry insurance or not...anyone with 1/2 a brain would carry it anyway..to cover their own behinds.....your insurance policy should have what's called "uninsured motorist" coverage....that will cover you and your vehicle no matter where you are or what the status of an uninsured driver....should an accident occur with an unisured motorist...your insurance company would cover all your expenses under your policy, and sebrogate against (sue) the unisured motorist. Well, there is only ONE state that doesn't require you to have liability insurance - I think it's New Hampshire, but I'm not positive. If, however, you don't carry auto insurance and want to cross a state line, the second you cross that line you're driving illegally if the other state requires you to carry auto insurance. In many states, your car can be impounded if it's not insured to the state minimum (of the state you are IN, residence is irrelevant). YOU are liable for any accidents you cause, regardless of whether or not you have insurance, or how much insurance you have. You write the check for all damages over and above your auto insurance limit. If you, an uninsured driver, are not at fault, and are hit by ANOTHER uninsured driver, it's up to YOU to try to sue them and collect your damages from them. Just for the record, you can't borrow money to buy a car, without carrying insurance - it's part of the loan contract requirements. agent, 21+ years All states require insurance. If you did not have insurance and went into another state you would be breaking the law. It is better to go online & find a super cheap policy than to drive around without insurance. You may want to try getting a quote online. I am paying less than 陆 of what I was before. Go to: http://www.insureme.com/landing.aspx?ref... Take care, Casey |
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