Auto insurance in different states

However, the conditions of insurance, in particular, the minimum amount of insurance coverage and the value of insurance premiums, vary widely from state to state. In one state the owner of the car is not even able to register without mandatory insurance, the other - you have no one and does not require an insurance policy to present to the first incident (accident or offense).

Rates for auto insurance in the United States beyond the control of the state and often are determined by the insurance companies. The amount of annual fee calculated on a complex scheme of points and bonuses, taking into account the cost of the car and the driver's insurance history for the past year.

The main parameters of insurance coverage that provides insurance in the U.S., are determined by three major figures:

magnitude of the maximum compensation for physical and moral damages for each victim
amount paid to all those affected by the accident
amount in respect of pecuniary damage.
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Depending on the state minimum amount of insurance compensation may vary from 10/20/5 (this "fractional scheme" entry-type car insurance, we have described in our previous blog), or $ 10,000 / $ 20,000 / $ 5,000 for Mississippi to 50/100/25 in the state Maine.

In California, the car owner must have a policy with a minimum liability insurance in case of bodily injury and property damage at the rate of $ 15,000 if one person injured, $ 30,000 if more than one person injured and $ 5,000 to cover property damage.

In the State of New York and the District of Columbia, where the U.S. capital, the auto settings are as follows: 25/50/10, as, for example, in Alaska: - 50/100/25.

But in almost every state, insurers will offer you in addition to the minimum and mandatory insurance package to buy "voluntary" auto insurance policy.