Americans like our cars. We like the freedom they offer, the personality they provide, the convenience they grant us. Some people “trick out their rides”, while others are just happy to have a reliable automobile. Whichever end of the spectrum you find yourself on, we all share one thing in common, we believe in our right to traverse this wonderful nation unimpeded. We expect to be able to travel from one State to another without border crossing checkpoints (perhaps a toll-booth or two…) and accept our right to take full advantage of the wonders that this land has to offer.
However, we also know that with freedom comes responsibility. We can’t count on others to take over our responsibilities. We don’t expect our neighbors to pay our mortgage, we don’t expect our government to fill our cupboards. All we ask is for the opportunity to do our part and for the right to pursue our freedom.
All of the States in the Union require that resident vehicle operators (aka resident drivers) carry mandatory (or “compulsory”) auto insurance liability coverages. However, the United States is after all a collection of independent States, and each State has enacted its own minimum auto insurance legislation. Whether you have a minimum requirement policy or a more comprehensive policy, you may be wondering whether your auto insurance coverage extends across State lines.
In other words, your State of residence may require that you carry at least $50,000 of bodily injury liability insurance per accident. Perhaps you have purchased $75,000 worth of coverage. However, a neighboring state requires that drivers carry $100,000 of bodily injury liability insurance per accident. What happens if you are involved in an accident in the neighboring state, where the claims run above your $75,000 coverage?
People travel. That is one of the great aspects of being a collection of independent States organized under a Federal union. Citizens have the right to travel from State to State without demands for “papers” or other draconian requirements. America is the land of the free, and State insurance agencies, governments and private insurers have worked together to maintain these basic principles.
Thankfully, State’s understand the concern over differing State auto insurance requirements and have worked together with insurance companies to ensure that you are adequately covered. Your insurance coverage is automatically increased to the neighboring State’s minimum insurance level. Be certain to check with your insurance agent to make sure there are no restrictions on this type of automatic increase. Another aspect that many people are concerned about is if their resident state does not have a “no fault” insurance requirement, but a neighboring state does. In these instances, the same principles hold true. Insurance coverage is expanded to the neighboring State’s insurance requirements.
By working together to ensure that residents are able to travel without worry from State to State, governments and insurance companies are helping to protect a basic freedom. You can do your part by making sure that you are adequately insured. Our services can help you find a low cost car insurance policy that meets your State’s minimum insurance requirements and your specific personal or family needs.
Americans like our cars. We like the freedom they offer, the personality they provide, the convenience they grant us. Some people “trick out their rides”, while others are just happy to have a reliable automobile. Whichever end of the spectrum you find yourself on, we all share one thing in common, we believe in our right to traverse this wonderful nation unimpeded. We expect to be able to travel from one State to another without border crossing checkpoints (perhaps a toll-booth or two…) and accept our right to take full advantage of the wonders that this land has to offer.
However, we also know that with freedom comes responsibility. We can’t count on others to take over our responsibilities. We don’t expect our neighbors to pay our mortgage, we don’t expect our government to fill our cupboards. All we ask is for the opportunity to do our part and for the right to pursue our freedom.
All of the States in the Union require that resident vehicle operators (aka resident drivers) carry mandatory (or “compulsory”) auto insurance liability coverages. However, the United States is after all a collection of independent States, and each State has enacted its own minimum auto insurance legislation. Whether you have a minimum requirement policy or a more comprehensive policy, you may be wondering whether your auto insurance coverage extends across State lines.
In other words, your State of residence may require that you carry at least $50,000 of bodily injury liability insurance per accident. Perhaps you have purchased $75,000 worth of coverage. However, a neighboring state requires that drivers carry $100,000 of bodily injury liability insurance per accident. What happens if you are involved in an accident in the neighboring state, where the claims run above your $75,000 coverage?
People travel. That is one of the great aspects of being a collection of independent States organized under a Federal union. Citizens have the right to travel from State to State without demands for “papers” or other draconian requirements. America is the land of the free, and State insurance agencies, governments and private insurers have worked together to maintain these basic principles.
Thankfully, State’s understand the concern over differing State auto insurance requirements and have worked together with insurance companies to ensure that you are adequately covered. Your insurance coverage is automatically increased to the neighboring State’s minimum insurance level. Be certain to check with your insurance agent to make sure there are no restrictions on this type of automatic increase. Another aspect that many people are concerned about is if their resident state does not have a “no fault” insurance requirement, but a neighboring state does. In these instances, the same principles hold true. Insurance coverage is expanded to the neighboring State’s insurance requirements.
By working together to ensure that residents are able to travel without worry from State to State, governments and insurance companies are helping to protect a basic freedom. You can do your part by making sure that you are adequately insured. Our services can help you find a low cost car insurance policy that meets your State’s minimum insurance requirements and your specific personal or family needs.
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