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Is Car Insurance Legally Required?

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How Much Insurance Coverage Do You Need?

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Car Insurance Requirements by State

Some of the important features of the Word Counter addon are listed below. This is followed by an overview of this addon. This summary contains few words about the addon, its function, and its features. Next is FAQ, this section is useful to get information about how this addon works in your browser. If you couldn't find a specific answer, please fill the bug report form on this page or the contact form on the homepage to let us know about your question. Following the FAQ, is the bug report form.
StateBodily Injury Liability
(per person/ per accident)
Property damage liability
(per accident)
Other car insurance
requirements
Alabama$25,000 per person $50,000 per accident$25,000None
Alabama$25,000 per person $50,000 per accident$25,000None
Alabama$25,000 per person $50,000 per accident$25,000None
Alabama$25,000 per person $50,000 per accident$25,000None
Alabama$25,000 per person $50,000 per accident$25,000None

Eligibility for Car Insurance Coverage

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USA Auto

Need Help understanding Car Insurance Requirement

Minimum Car Insurance Vs. Standard Coverage

Minimum Car Insurance

Standard Coverage

Legally required in most states (liability-only).

Not legally required, but highly recommended.

Legally required in most states (liability-only).

Not legally required, but highly recommended.

Legally required in most states (liability-only).

Not legally required, but highly recommended.

Legally required in most states (liability-only).

Not legally required, but highly recommended.

Legally required in most states (liability-only).

Not legally required, but highly recommended.

Legally required in most states (liability-only).

Not legally required, but highly recommended.

Choose Minimum if you only need to meet state law and can accept higher out-of-pocket risk. Choose Standard if you want higher limits and protection for your car (comprehensive/collision).

Car insurance consequences

What Happens If You Drive Without Car Insurance

  • Fines
  • License Suspension or Cancellation
  • Vehicle Impoundment
  • Driver Ban
  • Record on Driver's License
  • Financial Liability
  • Cost of Auto Repair

Protect Yourself, Your Car, and Your Future — Get Insured Now

Don't wait until it's too late. Get comprehensive coverage that fits your budget.

Frequently Asked Questions

Find answers to common questions about car insurance requirements and our services.

What Does Auto Insurance Cover?

Auto Insurance covers damage to your vehicle and liability for injuries or property damage.

How Much Auto Insurance Do I Need?

The amount of auto insurance you require is determined by your car, your driving style, and state regulations. State-mandated liability coverage, which is commonly $25000 for bodily injury per person, $50000 for total bodily injury per accident, and $25000 for property damage per accident, is the minimal amount of auto insurance that is normally required.

What Factors Affect Auto Insurance Rate?

Auto insurance rates are influenced by factors like age, driving history, credit score, years of driving experience, location, gender, insurance history, annual mileage, marital status, claims, and discount options.

What Is Typically Not Covered by Car Insurance?

If the issue in your car is the result of a collision or accident, your car insurance will pay the repair cost. However, car insurance does not cover regular maintenance or cosmetic enhancements.

What Information Do I Need to Start a Car Insurance Quote?

To start a car insurance quote with L.A. Insurance, you'll need basic personal and vehicle information like a driving license, vehicle identification number, and physical address.

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