What Is The Minimum Auto Liability Coverage North Carolina?
Reader’s Question:
How much auto insurance coverage is required by law in the state of North Carolina?
Stewart
Cary, NC
According to the North Carolina Financial Responsibility Laws , Automobile Liability coverage should be maintained. The minimum requirements of liability auto insurance for private passenger automobile in the state of North Carolina are 30/60/25. These limits stand for $30,000 for bodily injury for one person per accident up to $60,000 and $25,000 for property damage occurring per accident.
North Carolina insurance providers and their insurance agents are required to offer Uninsured Motorist and Combined Uninsured/Underinsured Motorist coverage. If you do not want to have this coverage, it has to be rejected in writing.
What Are The Penalties For Driving Without Insurance in Virginia?
Reader’s Question:
What are the penalties for driving a vehicle without car insurance in Virginia?
Rhonda
Suffolk, VA
Virginia car owners who are uninsured or have not paid the UMV fee will have their vehicle registration and driving privileges suspended. To have your license reinstated the driver must pay a $500 statutory fee, file a an SR-22 or Financial Responsibility Insurance Certificate with the Department of Motor Vehicle for three years and pay a reinstatement fee.
Being cited for driving uninsured will result in fines, cancellation of the registration on all cars that you own or co-own and suspension of your driver’s license. To check the amount of your fine, call the court listed on the citation since the amount can differ depending on the jurisdiction in which you received the ticket. Some VA courts have a system in which you can pay the fine online.
Do I Need To Have Full Coverage Auto Insurance in Michigan?
Reader’s Question:
I’m currently leasing my car so I make it a habit to shop around for lower auto insurance rates in Ann Arbor, Michigan. I’m thinking if it’s possible for me to drop some insurance coverage that I don’t need; let me give you the list of what I have. I have Personal Injury Protection, residual property damage, residual uninsured motorist, special tort liability, property protection, comprehensive, and collision. I doubt if I need all these.
Amanda
Ann Harbor, MI
The best thing for you to do is to consult a licensed insurance agent or a financial advisor since they’re the experts on this field. It is very important for you to know what’s covered by each part of your policy and whether your state requires minimum levels of each.
Michigan requires three insurance basic auto insurance coverage: (1) Personal Injury Protection (PIP) that pays all of your medical costs, lost wages if you miss work caused by the injury (2) Property protection coverage that pays up to $1 million for damages your automobile does to other people’s property; and (3) Residual bodily injury/property damage that pays costs if you’re sued after causing an accident.
Collision and comprehensive coverage pay for physical damages to your vehicle is not required by your state. To make these less expensive is to raise your deductible. Also, MI is one of the “No-Fault” states. That means you cannot recover the cost of repairing your vehicle from another driver even if that driver caused the accident. Uninsured motorist coverage that covers you in a hit-and-run accident (or if you’re hit by someone without insurance), is also not required.
There are two exceptions you need to be aware of: first is the “mini-tort” exception which allows you to file a claim against the other driver in small claims court for damages not exceeding $500; second, if your car was legally parked at the time of the collision, you’re allowed to make a claim against that person for the full dollar amount of your repairs (assuming you know who did the damage).
T
Car Insurance in Las Vegas Nevada With International Driver License?
Reader’s Question:
Will I be needing a Las Vegas Nevada drivers license to insure my vehicle for just six months? Or my international drivers license is enough? Where can I get one?
Luis
Las Vegas, NV
When purchasing a car insurance policy in Las Vegas Nevada you should expect to have a Nevada driver’s license or you should expect to obtain one in order to be insured in the US.
There may be some insurance companies in Nevada that will insure you in the US with an international license, but most insurance providers require you to get a drivers license in Nevada before buying insurance or within 30 days after getting coverage.
Some insurance companies will require you to have a drivers license or in the process of getting a US license. You may start checking online for insurance companies that will allow you to insure your car without US drivers license.
Tags: auto insurance
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