Having plenty of road hazards will give you the higher chance of having accidents. We couldn’t stop nor predict an accident, that’s why it is called “accidents”, they happen unexpectedly. Being a responsible driver, you may think not just of your own safety but as well as your passenger’s safety. And for that reason you must insure your vehicle.

Legal Requirement

The minimum required limits are as follows:

Liability
• $25,000 for bodily injury to one person
• $50,000 for bodily injury to two or more people
• $10,000 for property damage
Uninsured Motorists
• $25,000 for bodily injury to one person
• $50,000 for bodily injury to two or more people
Under insured Motorists
• $50,000 for bodily injury

Additional Coverage

Underinsured / Uninsured motorist coverage is also advisable for drivers to have. Even though there is a minimum requirement already, you may choose to have this coverage also in addition so that there will be someone to pay if the expenses exceed to the minimum requirement. This also covers the damages if your vehicle is damaged by a hit and run.

Weather condition may cause accidents, especially during winter. Snow may affect the roads, making it more slippery and falling snow also may distract you from driving. And because of that drivers must really have car insurance to compensate for the damages.

Legal Requirement

Idaho state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 25/50/15 coverage:

• $25,000 for injury or death to one person
• $50,000 for injury or death to two or more people
• $15,000 for the damage of another party’s property

Penalties

Being caught for the first time will require you to have evidence or proof of insurance for a year. If you are caught twice then you will be required to have a proof of insurance for 3 years. Then if you still haven’t learned your lesson, it may be a bad record for you and it will affect your future purchase of car insurance and you will likely be charged of higher rate.

Family matters most in every individual. And just like family, car insurance is a necessary and matters most if you have a car. Car insurance will help you pay for the damages incurred during accidents. It has always been an issue that car insurance are expensive but if you would just analyze it, it’s for your own benefit and could save you and your family financially if you happen to have accidents.

Legal Requirement

Florida’s state laws require that motorists maintain at least the following minimum coverage:

• $10,000 Personal Injury Protection. (PIP)
• $10,000 Property Damage Liability (PDL)
• You may be required to purchase Bodily Injury Liability (BIL) if you have been involved in a crash, or have been convicted of a certain offense.

Additional Coverage

Just like other states, they recommend the insured party to have a Comprehensive and Collision coverage so that insurance company will take care of the damages done by natural disasters. Uninsured / Underinsured motorist protection is also recommendable. It will help you pay for the remaining amount that exceeds to your agreed policy.

One important reason why the people of Colorado must insure their cars is their weather condition. Weather condition alone can cause damage and accidents. And being involved in an accident is a strenuous moment of your life, thus if you have insurance it will minimize your worries of where will you get thousands of dollars.

Legal Requirement

The state of Colorado requires motorists to carry minimum levels of insurance for Bodily Injury Liability and Property Damage Liability coverages. These are:

• $25,000 Bodily Injury Liability (per person)
• $50,000 Bodily Injury Liability (per accident)
• $15,000 Property Damage Liability

Penalties

Being caught driving without insurance, will result in a minimum of $500 fine and you can get a lifetime negative mark on your driving record. This record may affect your rate of premiums, because insurance companies may use this as to charge you of higher rate. And if you insist on not having an insurance, second offense may suspend your license and you will be fined $1000.

Even if the state does not require you to have Uninsured Motorist Coverage, you may still opt to have it so that you may lower the rate of your payments. Then you may compare other insurance rates online.

Connecticut is one of the most densely populated states. It is also known for its dazzling spots that draw people from different countries. With that many more people exploring it also means more vehicles. Then the more vehicles, the more prone to accidents.

Legal Requirement

Citizens in Connecticut are required to maintain a minimum amount of liability coverage to cover bodily injury and property damage in the event that the incident is found to be their fault. The minimum bodily injury liability and property damage liability is 20/40/10.

• Bodily Injury Liability (single person) – $20,000
• Bodily Injury Liability (multiple person) – $40,000
• Property Damage Liability – $10,000

Additional Coverage

Even if the state does not legally require you to purchase higher than those requirement above, you may think twice and decide practically, because most accidents may allow you to pay higher than the above values. So you may opt to have additional coverage such as collision and comprehensive coverage that will meet the exceeding amount beyond your policy and if it happens to be done by a natural disaster.