Number of states mandating automobile insurance


23-Jul-2017 10:12

Idaho requires that every vehicle operator in the state have at least the minimum amounts of basic liability car insurance.

However, a number of other coverage types are available to drivers to ensure adequate protection in the unfortunate event of an accident.

Nowadays, that equals out to around 0, a bit less than the average annual cost of 0 for car insurance today. It can be pretty crazy to think about when it was first implemented, considering how many years ago cars were invented. Mandatory car insurance is determined on a state-by-state basis, not through the federal government.

Connecticut and Massachusetts were the first states to require insurance in 1925, through liability and compulsory coverage in case of auto accidents.

Drivers either had to buy coverage or show financial responsibility of at least ,000 through cash, bonds, or stocks.

If they failed to take any of these steps, their driver’s license would be suspended. Later on, these policies changed into more recognizable forms of car insurance and in 1927, Massachusetts expanded upon the law for required compulsory coverage and changed it into mandated car insurance coverage.

Note: The Secretary of State is authorized by the Act to impose a surcharge or fee on a Foreign Mission if an uninsured motorist of the Foreign Mission is at fault for personal injury, death or property damage and has not satisfied a court rendered judgment.

You must have at least

You must have at least $1,000 in medical payments coverage.

There is no requirement for property damage coverage; however, this is often offered and can save you a lot of money in the event of an accident.

: You can opt out of uninsured motorist coverage; however, you must do so in writing with your insurance agent.

This coverage helps you pay for costs you might incur in an accident with a driver who has insufficient or no car insurance.

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You must have at least $1,000 in medical payments coverage.There is no requirement for property damage coverage; however, this is often offered and can save you a lot of money in the event of an accident.: You can opt out of uninsured motorist coverage; however, you must do so in writing with your insurance agent.This coverage helps you pay for costs you might incur in an accident with a driver who has insufficient or no car insurance.

,000 in medical payments coverage.There is no requirement for property damage coverage; however, this is often offered and can save you a lot of money in the event of an accident.: You can opt out of uninsured motorist coverage; however, you must do so in writing with your insurance agent.This coverage helps you pay for costs you might incur in an accident with a driver who has insufficient or no car insurance.

The state mandates coverage for bodily injury at the same minimums as your liability coverage (see above).

The tricycle-like car may have used gasoline and been able to move at a maximum speed of 10mph, but it sure wasn’t covered with car insurance.