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Car insurance is mandatory in all states (I assume). However, you can also provide financial responsibility in many areas. This is when you provide proof that you have sufficient funds to pay a certain amount of damages in the event you were held liable for an incident.
Personally, I do remember writing an article earlier this year about car insurance in Alaska. From recollection, there are areas in that state where car insurance is not required.
As Mr. Harris indicates, car insurance is mandatory in all States. Mandatory auto insurance limits vary by State, however.
The specific limits for your State can be found on your particular State's Insurance Commissioner website or by simply searching the web for auto liability limits, with the name of your State.
Limits vary from $10,000/$20,000/$10,000 in Florida (Yikes!) to $50,000/$100,000/$55,000 in Wisconsin.
The first two dollar amounts are for bodily injury from an accident and the third amount is for property damage to others, from that accident. For example: Using Wisconsin limits,
In an insured driver's liability situation, the policy would pay no more than $50,000 to any one injured person but no more than $100,000, no matter how many people were injured. So, if three people were injured and two of them received $50,000 each, the third injured person would not be collecting from the policy, since the $100,000 limit would have been exhausted. As for the property damage to others, the policy would pay no more than $55,000 in total to one or more claimants. .
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
As my colleagues have said, it is safe to say that car insurance is now mandatory throughout all 50 states. However, it is important to note that each state has the authority to set it's own requirement for minimum amounts of coverage. Connecticut, for example, has set a minimum liability requirememt of $20,000 per person/$40,000 per accident for boidily injury and $10,000 for property damage. Also required is uninsured/under insured motorist coverage with a minimum that matches the bodily injury amount. In other states, the minimums may be different. Talk to your Insurance Professional about your state's requirements but more importantly about what coverage amount best meets your protection needs.
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Personally, I do remember writing an article earlier this year about car insurance in Alaska. From recollection, there are areas in that state where car insurance is not required.
The specific limits for your State can be found on your particular State's Insurance Commissioner website or by simply searching the web for auto liability limits, with the name of your State.
Limits vary from $10,000/$20,000/$10,000 in Florida (Yikes!) to $50,000/$100,000/$55,000 in Wisconsin.
The first two dollar amounts are for bodily injury from an accident and the third amount is for property damage to others, from that accident. For example: Using Wisconsin limits,
In an insured driver's liability situation, the policy would pay no more than $50,000 to any one injured person but no more than $100,000, no matter how many people were injured. So, if three people were injured and two of them received $50,000 each, the third injured person would not be collecting from the policy, since the $100,000 limit would have been exhausted. As for the property damage to others, the policy would pay no more than $55,000 in total to one or more claimants. .