What Does No Car Insurance Cover?
In California, as in the rest of the country, car insurance is required by law. Car Insurance is a large expense of vehicle ownership, but for some people it’s considered just so vital that all states mandate coverage as a condition of getting a driver’s license. But not all states demand coverage, and some states provide alternatives to basic insurance coverage for those who don’t have it. For these people there are also alternatives available to those who are uninsured. California drivers are fortunate in that they can find affordable car insurance with a variety of different approaches.
If you live in Virginia, you’re going to need a high deductible if you want to drive here without insurance. Virginia requires a high deductible because of how highly-incorporated the area is. This means that the local insurance companies in Virginia aren’t going to be able to charge as much because of their financial position. Because of this, they won’t cover as much, or offer any alternatives, like Virginian non-affair coverage that isn’t collision and comprehensive. Because Virginia drivers don’t have this option, they will have to pay the full price for collision and comprehensive if they choose to get it, which is something you shouldn’t do.
If you live in New Hampshire, you can be at ease knowing that you don’t have to worry about paying anything if you are at fault in an accident. This is another state that requires liability insurance and non-collision and comprehensive coverage. Drivers in New Hampshire do not have to purchase their own insurance coverage and are exempt from having to shoulder damages from a lawsuit from another driver if they are at fault. This is good news for New Hampshire drivers since non-medical coverage doesn’t make much sense in New Hampshire if you get in a car accident and need medical attention.
In many parts of the country, including New Hampshire, it is against the law to drive without insurance. If you are caught doing so, you could face serious consequences. For instance, some states are known to suspend a driver’s license for up to a year if they are found without coverage. Being a driver without car accident insurance is considered a serious financial responsibility and is not one that a person with good driving records should ignore.
If you’re living in any of the states listed above, you may want to think twice about getting personal injury protection (PIP). PIP, as it’s commonly known, is required if you drive in New Hampshire. Although New Hampshire has a no-fault law, it still requires uninsured motorists to carry insurance, making it necessary for them to get this insurance. Uninsured drivers can sue for medical expenses and other damages if they are injured or killed due to the negligence of an uninsured driver. If an uninsured driver is involved in a car accident in New Hampshire, the driver’s insurance company must pay for at least some of the medical costs and lost wages of the victims.
Other times, insurance coverage may be required even if you aren’t driving. One good example of this is if you rent a vehicle and don’t own it. If you ever need to file a claim for a vehicle that you don’t have insurance for, your landlord may require that you have rental insurance before you can rent the vehicle again. By paying this small fee, you’re more likely to have your vehicle repaired in the event of a collision or other damage.
If you choose not to have uninsured motor vehicle coverage because you already have medical coverage or home owner’s insurance, you could be facing large bills if an accident occurs while you’re not yet insured. Uninsured motor vehicle coverage comes in a variety of forms. Some policies offer help pay for damages to another person’s vehicle. Others will help pay for repairs to your vehicle or personal injuries that are incurred in an accident. A third type of policy offers help pay for damages to your own vehicle. This would include damages caused by an accident as well as medical expenses that occur as a result of the accident.
In some cases, no-fault insurance policies are required by all states. The policy provides compensation for drivers who suffer injury or damage while driving and as a result of no fault of their own. Because these types of cases are quite common, many insurance companies offer no-fault coverage to certain drivers. These drivers are generally considered low risk and therefore have a lower cost to the insurance company.