Auto insurance is required in the state, just like other states. However, you can pay a $500 uninsured motor vehicle fee, which allows you to drive your vehicle without car insurance. This fee is not giving your car insurance, which means that if you cause an accident, you could be responsible for all the damages. This, in turn, can add up to thousands of dollars you will owe. If you are going to choose insurance instead of paying the fee, you must meet the requirements. The state requires $50,000 in liability coverage for bodily injury and $20,000 for property damage.
How Does Car Insurance Work
The state follows a traditional fault-based system for determining financial responsibility for losses that come from car accidents, which include injuries and damage. The person that is responsible for the accident is also responsible for any harm that comes from the accident. Those who suffer an injury because of an accident can proceed in three different ways. He or she can file a claim with his or her own insurance company if the loss is covered under the policy. This usually means that the insurance company will file a claim with the at-fault driver’s insurance company. He or she can also file a claim directly with the at-fault driver’s insurance carrier, and he or she can file a lawsuit against the driver that is at fault.
Liability coverage will pay for medical bills, property damage, and other costs of passengers, drivers, or pedestrians who are injured or have their car damaged due to an accident you cause. In addition to the minimum coverage, you can also carry additional coverage. An agent at NSURU can help you determine which additional coverage is needed. Additional coverage includes comprehensive and collision coverage to protect your car in the event of an accident or non-accident related damage. You could be required to purchase additional coverage if you are leasing or financing your car.
Contact NSURU to get a quote for auto insurance.