No matter which state you live in, you are required by law to maintain auto insurance to be allowed to drive. Each state sets its own specific requirements as to how much insurance is required, but there are some commonalities across the country.
All states require that drivers have bodily injury liability and property damage liability coverage. The former applies to any medical costs due to injuries others sustain in an accident. Property damage liability covers the damage that you cause to another person's vehicle or other physical property, like a building or fence. It does not apply to any damage to your own vehicle if you were at fault in the accident.
In some states, you'll also be required to have uninsured and underinsured motorist coverage. In others, this coverage is optional. If you are involved in an accident with another driver who does not have insurance or whose insurance is insufficient to cover the costs of your medical care and vehicle repairs, uninsured and underinsured motorist coverage will fill in the shortfall.
As mentioned, property damage liability coverage only applies to damage to others' vehicles. To repair your own vehicle, you'll need collision coverage, which is an optional add-on. You can also elect to include comprehensive coverage, which fills in any gaps left in other areas of your policy.
In addition to choosing extra coverage types, you have the option of increasing your coverage levels beyond the state-mandated minimums. It is always smart to obtain the maximum auto insurance coverage you can reasonably afford to give yourself as much protection as possible.
Whether you need to purchase insurance for a new vehicle or wish to make changes to your current policy, Stover Strong Insurance Brokers is here to help. We'll walk you through the specific requirements in your area and help you select the most appropriate coverage levels and options to meet your needs and budget. We work with a wide range of insurance carriers, so we'll make sure you get exactly the policy you need at a price you can afford. Reach out to our team today at 480-336-9648 to get started.