Evan T Smith asked:


Auto insurance is governed by the state laws. The state laws have mandated certain auto coverage to ensure safety of the community. Hence, if you want to continue with the privilege of driving in your hometown, you should learn the state auto insurance laws by heart.

The auto insurance laws of America vary widely, but still can be categorized as the following,

The tort state:

Tort defines the injuries that are eligible to receive compensation under the law. In a tort state, one party is identified as the responsible party for the accident and is liable to compensate the sufferers for their losses.

A tort state can further be categorized as ‘full tort’ and ‘limited tort’. In the limited tort state, the recipient can’t claim compensation for the pains and sufferings from the party responsible for the damages, until and unless he suffers permanent disability.

The no-fault state:

The no-fault state requires the drivers to carry insurances for their own protection, since it imposes restrictions upon the ability to sue the responsible driver.

Under the pure no-fault law the drivers are covered under their own plans respectively and will receive coverage irrespective of their responsibility for the damages. However, no state follows the pure no-fault status, and thus leaves the opportunity for the involved parties to sue the other to recover a portion of their damages.

The ‘add-on’ no-fault state:

The add-on no fault state allows the victim to collect the benefits under the responsible party’s bodily injury liability coverage, once his medical expenses exceeds the PIP coverage limit.

The doctrine of comparative negligence

Some states follow the theory of comparative negligence, where the responsibility of an accident gets distributed amongst the parties involved in it. This doctrine restricts one party to hold the other party fully responsible for the damages caused to him.

In the states following the doctrine of comparative negligence, the party contributing more than 50% towards the damages caused in the accident, is the party at-fault.

The issue of liability

All the states require the drivers to carry at least the minimum liability coverage and that is to ensure the safety of the community around the driver. The state law makes sure that the driver has adequate coverage to compensate for the damages caused by him to others.

un_touchable8 asked:


I just recently had my policy cancelled because I never recvd my statement and missed my payment. I have been asking around and it seems like no company will work with me even though this is not my fault. I had my car policy cancelled when I was 17 and a stupid kid, so this is my second cancellation in 9 years of driving. What should I do? By the way, I live in MA.
Let me rephrase since I was not clear. I did not receive a statement so I assumed this was like my previous insurance company where you only make 10 payments per year rather than 12. I should have clarified this with my insurance company but did not. When I called this month since I still did not receive my stmt, they told me they cancelled my insurance three days after my due date, NOT 30.

Apurva Shree asked:


Finding an online auto insurance company that offers affordable auto insurance can be a tough task. This is especially true for those who do not know much about auto insurance. So if you are looking for auto insurance, you must first have enough knowledge on the subject. Furthermore, to find low cost auto insurance you must know what you are looking for.

Finding the right online auto insurance company is tough because there are so many companies to choose from. Once you start looking on the internet for insurance companies, you will be overwhelmed by the range of choices you have. However, if you know how to look for an online auto insurance company and what to look for in an auto insurance company, you will not have a hard time finding the right company.

Get Several Quotes

Your first step in finding the right company involves your getting quotes from several auto insurance companies. Quotes are available online and for free. One thing that you must remember while filling up the forms is that the information that you provide will determine the quotes that you get. Your driving record, age, sex, address, and credit scores are all going to have an impact on how much you have to pay for your auto insurance.

So now that you have quotes from atleast four auto insurance companies, you should compare the coverage they offer and at what rates. Whether you are looking for commercial auto insurance or private auto insurance, you need to make sure that you are dealing with a company that answers your questions and responds quickly to claims. Check the company’s financial record to see how well off they are and also check their consumer complaints’ page.

Read The Fine Lines

When it comes to auto insurance it is very important that you are dealing with the right online auto insurance company. However, it is more important that you ensure that you are getting the coverage that you signed up for. Some people make the mistake of signing on the dotted lines without reading the finer print. So when the time comes to file a claim they are in for a shock. So before you sign on the dotted lines make sure that you read everything. You must know what auto insurance coverage you want and you must make sure that your auto insurance is providing that coverage.

Being aware of the type of online auto insurance company that you are looking for, the type of coverage that you are interested in, and being aware about the basics of auto insurance helps you in getting the right auto insurance deal.

Eden Ali asked:


Auto insurance have been discovered to be one of the ways of saving money in California. There are a lot of auto insurance market places online in California where you can check and compare auto insurance rates so as to get the one that suites your budget. When you compare these rates from various California auto insurance companies, you will get a low rate and additionally get an auto insurance policy which suits your desire.

California auto insurance rates was averagely $950 which was paid for insurance premium in 2003. Several people believe that California auto insurance companies and other state regulators fixed these rates, but really, there are discounted and affordable rates that are accessible in California.

California auto insurance rates are expected to decrease in 2007 for the first time since 1999. You can be on the look out for a decrease of about 0.5-1% in auto insurance rates from 2006. Competitive and lower rates have been brought directly to customers by different California auto insurance companies.

Even auto insurance rates have changed within the state of California over the last few years. If you compare the increase in rates since 1999 which was $771, they have increased with about 23.22% in the last 4 years. You can start saving money now, rather than paying high auto insurance premium.

Importance is not placed on the fact that you have a clear driving history, or you are a bad driver, we place importance on getting you the best and affordable rates in California.

Being aware of the increase in the cases of auto thefts and car accident, we are ultimately taking responsibility that all the auto insurance informations you need are available to you first hand. In several staes you can get an auto insurance quote, or even buy policies online, all you need to do is enter your zip code and discover how much you can save.

If you are looking for an auto insurance company in any state, all you need to do is click on the links on this pages, and enter the informations that are required. Also low auto insurance rates and quotes can be gotten from the same links, but you are still required to enter in appropriate informations.