Is Car Insurance Federally Mandated?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   No, personal auto insurance is not federally mandated.  Most States, however do have laws on the books that require proof of insurance in order to register and maintain registration on a car.  In these states, the law usually includes a stipulated "minimum" amount of coverage.  Though the state minimums may be different, the required coveage would include Bodily Injury and Property Damage as well as Uninsured/Underinsured coverage.  Some states also have a "No Fault" provision which requiers a policy to include coverage for primary medical benefits. States don't usually include Comprehensive or Collision Coverage under the requirements..but your lienholder will.

   Answered on July 22, 2013

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