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Buying Auto Insurance (part 4 of 4)

Continued  from  part  3.Arizonabodily injury and property damage
liabilityNo15/30/10no
Think About it: You Need to Buy Insurance to
Protect Yourself, Passengers, and FamilyArkansasbodily injury and property damage
Members by Purchasing Underinsured MotoristliabilityNo25/50/25no
Coverage  (part  4  of  4)
Californiabodily injury and property damage
One serious mistake is to decline UIMliabilityNo15/30/5no
coverage. Some companies require that you
purchase UIM in the same amounts as theColoradobodily injury and property damage
liability insurance. However, many companies,liabilityNo25/50/15yes
depending upon state law, are authorized to
sell denominations of UIM coverage less thanConnecticutbodily injury and property damage
the liability limits. The insured thinks thatliability,  uninsured  motoristYes20/40/10no
he is providing some satisfactory minimal
coverage for his family and decides to saveDelawarebodily injury and property damage
some money with lower UIM limits. However,liability, personal injury protectionNo15/30
UIM is probably the most important place to10no
spend  money.
DCbodily injury and property damage
You are not as likely to cause an accident,liability,  uninsured  motoristYes25/50/10yes
as you are to be a victim of an accident. At
least if you are taking the time to read thisFlorida
article, you are probably a person who will
exercise more care and judgment in yourBI liability not required, only property
driving than the ordinary person. Therefore,damage liability, personal injury
it is more likely that you will be making aprotectionNo10/20/10yes
claim against another person for injuries
sustained by you at the hand of the thirdGeorgiabodily injury and property damage
party tortfeasor. In this instance, theliabilityNo25/50/25no
tortfeasor may (but likely will not) have
sufficient insurance to cover you and yourHawaiibodily injury and property damage
passengers for all of your medical expenses,liability, personal injury protectionNo20/40
wages loss, and general damages. If not, then10yes
the tortfeasor is said to be "underinsured".
In that instance, the balance of the value ofIdahobodily injury and property damage
your claim, above the bodily injury policyliabilityNo25/50/15no
limits of the tortfeasor, is the
responsibility of your own company's UIMIllinoisbodily injury and property damage
coverage.liability,  uninsured  motoristYes20/40/15no
A third possibility is if the tortfeasor isIndianabodily injury and property damage
uninsured. This is a distinct likelihood ifliabilityNo25/50/10no
someone who is reckless, or who has a
drinking problem or who is driving with aIowabodily injury and property damage
suspended license involves you in theirliabilityNo20/40/15no
traffic habits. They caused you and your
passengers harm, but they have no insurance.Kansasbodily injury and property damage
You will be making your entire claim underliability, personal injury protectionYes25/50
your  UIM  polity  limits.10yes
All too often, we have seen serious injuriesKentuckybodily injury and property damage
to individuals and their families receiveliability, personal injury protectionNo25/50
little or partial compensation because the10yes
insured elected to "save money" by not
purchasing the maximum UIM coverage availableLouisianabodily injury and property damage
to him. Purchase as much UIM coverage as youliabilityNo10/20/10no
can.
Mainebodily injury and property damage
Be  Honestliability,  uninsured  motoristYes50/100/25no
A word of caution in dealing with yourMarylandbodily injury and property damage
insurance company: don't try to fool them onliability, uninsured and underinsured
any of the information requested, or bymotoristYes20/40/15no
insuring only one driver for each of the
family vehicles. We have numerous casesMassachusettsbodily injury and property
holding that one family member is not covereddamage liability, personal injury protection,
because he or she was not named as a driveruninsured  motoristYes20/40/5yes
of another family vehicle. Questions of
whether the vehicle was "available for theMichiganbodily injury and property damage
regular use" of any individual are complexliability, personal injury protectionNo20/40
issues, and history tells that you will lose.10yes
Disclose the full number of drivers and you
will have the knowledge that you and familyMinnesotabodily injury and property damage
members  are  covered.liability, personal injury protection,
uninsured and underinsured motoristYes30/60
The same thing pertains to marital status and10yes
student status of children. Our
recommendation is to be honest in yourMississippibodily injury and property damage
application and in your relationship withliabilityNo10/20/5no
your company. The few dollars you "save"
otherwise will never be a bargain should youMissouribodily injury and property damage
loose out in the long run. A contract enteredliability,  uninsured  motoristYes25/50/10no
into with materially fraudulent
representations can be voidable by theMontanabodily injury and property damage
company  under  some  circumstances.liabilityNo25/50/10no
Table of Insurance Coverage Requirements, byNebraskabodily injury and property damage
Stateliability, uninsured and underinsured
motoristNo25/50/25no
Most states require that you have liability
insurance. This covers you when you're atNevadabodily injury and property damage
fault in an accident. If you live in NewliabilityNo15/30/10no
Hampshire, South Carolina, Tennessee or
Wisconsin, you aren't required by law (yet)New  Hampshire
to have liability coverage. For the rest of
us, the mandatory coverage varies accordingInsurance not required; proof of financial
to state. In the chart below, minimumresponsibility, medical payments, uninsured
liability limits are read as follows (inmotoristYes25/50/25no
thousands of dollars): bodily injury
liability for one person in an accidentNew Jerseybodily injury and property damage
bodily injury liability for all peopleliability, personal injury protection,
injured in an accident/property damageuninsured  motoristNo15/30/5yes
liability  for  one  accident.
New Mexicobodily injury and property damage
So, for Alabama, the minimum requirements areliabilityNo25/50/10no
$20,000 of bodily injury liability for one
person, $40,000 bodily injury liability forNew Yorkbodily injury and property damage
all people and $10,000 property damageliability, uninsured motorist, personal
liability.injury  protectionYes25/50/10yes
StateRequired coverage typesUninsuredNorth Carolinabodily injury and property
Under-insured Motorist Coveragedamage  liabilityNo30/60/25no
Required?Minimum  liability  limitsNo  fault?
North Dakotabodily injury and property damage
Alabamabodily injury and property damageliability, personal injury protection,
liabilityNo20/40/10nouninsured and underinsured motoristYes25/50
25yes
Alaskabodily injury and property damage
liabilityNo50/100/25noOhiobodily injury and property damage
liabilityNo12.5/25/7.



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