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Facts about Renters Insurance
If you rent an apartment or house, you might consider purchasing renters insurance. Renters insurance provides coverage for damage or loss of personal property for people in rental housing. It's to insure the renter's belongings from theft or...
Health Insurance Lead and Health Insurance Leads
Health insurance lead generation systems provide a stead stream of potential clients for health insurance brokers. Health insurance leads are considered to be people who may need health coverage to supplement the health coverage provided by their...
Mortgage Life Insurance
Owning a home is a dream for most of us, although it is an expensive one. The monthly payments usually take up a big slice of our monthly income, and the sudden loss in the event of you or your spouse's early death may leave your survivors unable to...
What is Pet Health Insurance?
Pet Health insurance can give you the peace of mind that you are covered against unexpected vet bills. Having a pet can be a costly affair when you consider such expenses as food, vaccinations and checkups. But did you know that the cost of surgery...
Why Do You Need Homeowner’s Insurance?
The biggest single investment most people make in their lifetime is buying a home, condominium or townhouse. What you want to do is protect your home, personal property and any type of liability with a homeowner's insurance policy. Homeowner’s...
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What Are The Auto Liability Insurance State Minimums For My State?
As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.
Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.
I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability. As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a
limit of $25,000 for one individual, and $10,000 coverage for property damage.
Alabama 20/40/10Alaska 50/100/25Arizona 15/30/10Arkansas 25/50/25
California 15/30/5Colorado 25/50/15Connecticut 20/40/10Delaware 15/30/5
D.C. 25/50/10Florida 10/20/10Georgia 25/50/25Hawaii 20/40/10
Idaho 25/50/15Illinois 20/40/15Indiana 25/50/10Iowa 20/40/15
Kansas 25/50/10Kentucky 25/50/10Louisiana 10/20/10Maine 50/100/25
Maryland 20/40/15Massachusetts 20/40/5 Michigan 20/40/10Minnesota 30/60/10
Mississippi 10/20/05Missouri 25/50/10Montana 25/50/10Nebraska 25/50/25
Nevada 15/30/10New Hampshire 25/50/25 New Jersey 15/30/5New Mexico 25/50/10 New York 25/50/10North Carolina 30/60/25 North Dakota 25/50/25Ohio 12.5/25/7.5
Oklahoma 10/20/10Oregon 25/50/10Pennsylvania 15/30/5Rhode Island 25/50/25
South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15
Utah 25/50/15Vermont 25/50/10Virginia 25/50/20Washington 25/50/10
West Virginia 20/40/10 Wisconsin 25/50/10Wyoming 25/50/20
Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you’re involved in an automobile accident.
About the Author
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount home, life and auto insurance that you can research in your pajamas on his website
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