While buying auto insurance many people buy what is needed by the state and they do not evaluate their own vehicle insurance needs. Buying the bare minimum definitely lowers premium costs but it also makes the person liable to pay for damages at the time of an accident. This article will help you understand how to determine your own auto insurance needs so that you can opt for a suitable cover.
State Laws
The state laws govern your actions while you buy auto insurance. Depending on the state you live in you will be required by law to opt for certain liabilities and the state will also govern the minimum cover for these liabilities. Property damage liability is mandatory in 15 states of USA and bodily injury liability is mandatory in most states. The minimum limit of these two liabilities depends on the state you live in.
Liabilities
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