Are you required to purchase automobile insurance in your state?

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[ARCHIVED THREAD] - Are you required to purchase automobile insurance in your state? (Page 1 of 2)

Posted: 9/17/2009 8:30:51 AM EDT

You are not required to do so in Indiana. You may post a bond or deposit money with the state.

IC 9-25-4-7

Methods of proving financial responsibility
Sec. 7. Proof of financial responsibility when required under this article may be given by any of the following methods:
(1) Proof that a policy or policies of motor vehicle liability insurance have been obtained and are in full force and effect.
(2) Proof that a bond has been duly executed.
(3) Proof that deposit has been made of money or securities.

Posted: 9/17/2009 8:32:07 AM EDT

[#1]

NC here and YES you have to have it, or they pull your tag.

Posted: 9/17/2009 8:33:47 AM EDT

[#2]

you must have insurance in FL

Posted: 9/17/2009 8:33:52 AM EDT

[#3]

Quoted:
You are not required to do so in Indiana. You may post a bond or deposit money with the state.

IC 9-25-4-7

Methods of proving financial responsibility
Sec. 7. Proof of financial responsibility when required under this article may be given by any of the following methods:
(1) Proof that a policy or policies of motor vehicle liability insurance have been obtained and are in full force and effect.
(2) Proof that a bond has been duly executed.
(3) Proof that deposit has been made of money or securities.

I always wondered about the bonding, and if it's applicable to private citizens (IE, not a company vehicle, etc).

Posted: 9/17/2009 8:34:10 AM EDT

[#4]

In Virginia you must have insurance, or pay the 'un-insured fee' to get your license plates.

The catch is that even if you pay the fee, you can be forced to demonstrate assets equal to the states minimum insurance that could be seized in the even of a judgment against you.

It was originally intended to allow wealthy people to 'self insure.'

Posted: 9/17/2009 8:34:32 AM EDT

[#5]

http://oci.wi.gov/faq/auto.htm#finresp

Q. Is auto insurance mandatory in Wisconsin?

After June 1, 2010, Wisconsin drivers will be required to have an
automobile insurance policy in force or, in limited situations, other
security which could be a surety bond, personal funds, or certificate
of self-insurance. Details are available at the Department of
Transportation, Division of Motor Vehicles (DMV), Hill Farms State
Office Building, 4802 Sheboygan Ave., Madison, WI 53702.

Posted: 9/17/2009 8:37:07 AM EDT

[#6]

yes in Missouri you got to have insurance.

Posted: 9/17/2009 8:40:12 AM EDT

[#7]

Yes in Vermont, but it's not required in New Hampshire.

Posted: 9/17/2009 8:41:14 AM EDT

[#8]

Yes.

In order to register and legally operate your vehicle on West Virginia roads, you must purchase a liability insurance policy from a licensed auto insurance carrier. At the very least, that policy must include:

$10,000 for property damages
$20,000 for one accident, one injury/death
$40,000 for one accident, two injuries/deaths

Note that the mandatory insurance covers the other guy, not you.

Posted: 9/17/2009 8:41:51 AM EDT

[#9]

Quoted:
NC here and YES you have to have it, or they pull your tag.

Are you sure?

From the NC Code:

20‑279.9. Form and amount of security.

The security required under this Article shall be in such form and in such amount as the Commissioner may require but in no case in excess of the limits specified in G.S. 20‑279.5 in reference to the acceptable limits of a policy or bond. The person depositing security shall specify in writing the person or persons on whose behalf the deposit is made and, at any time while such deposit is in the custody of the Commissioner or State Treasurer, the person depositing it may, in writing, amend the specification of the person or persons on whose behalf the deposit is made to include an additional person or persons; provided, however, that a single deposit of security shall be applicable only on behalf of persons required to furnish security because of the same accident.

The Commissioner may reduce the amount of security ordered in any case if, in his judgment, the amount ordered is excessive. In case the security originally ordered has been deposited the excess deposited over the reduced amount ordered shall be returned to the depositor or his personal representative forthwith, notwithstanding the provisions of G.S. 20‑279.10. (1953, c. 1300, s. 9.)

Posted: 9/17/2009 8:42:49 AM EDT

[#10]

Yep the Insurance Co payed off our politicians here also and made it mandatory !

Posted: 9/17/2009 8:43:52 AM EDT

[#11]

Not if you don't drive .

Posted: 9/17/2009 8:43:56 AM EDT

[#12]

Not mandatory in Texas.

Posted: 9/17/2009 8:43:57 AM EDT

[#13]

Yes in Pa..

Posted: 9/17/2009 8:44:00 AM EDT

[#14]

Mandatory in Kansas. Well... except for the eight illegals in that truck over there >>>>> they say they don't need any.

Posted: 9/17/2009 8:44:12 AM EDT

[#15]

Here in Va you have to have at least liability insurance to a certain limit or pay a $500 uninsured motorist fee/tax..

(Kinda like a health plan fee/ tax that is being proposed...)

Posted: 9/17/2009 8:45:05 AM EDT

[#16]

Required, unless you're an illegal who gets drunk and runs over kids in their front yard. Then it's not...

Posted: 9/17/2009 8:45:43 AM EDT

[#17]

No

Posted: 9/17/2009 8:45:52 AM EDT

[#18]

Auto Insurance Requirements by State

http://www.googobits.com/articles/1075-required-auto-insurance-coverage-state-by-state.html

Posted: 9/17/2009 8:46:16 AM EDT

[#19]

In Ohio, you sign an oath of "financial responsibility" when you purchase license tags.

Posted: 9/17/2009 8:46:24 AM EDT

[#20]

Only if you own and drive a car (here in TN).

If you're thinking that mandantory healthcare is comparable to mandantory auto insurance, I'd beg to differ.

Posted: 9/17/2009 8:46:41 AM EDT

[#21]

Quoted:
you must have insurance in FL

Are you sure?

From the FL code:

324.031 Manner of proving financial responsibility.––The owner or operator of a taxicab, limousine, jitney, or any other for-hire passenger transportation vehicle may prove financial responsibility by providing satisfactory evidence of holding a motor vehicle liability policy as defined in s. 324.021(8) or s. 324.151, which policy is issued by an insurance carrier which is a member of the Florida Insurance Guaranty Association. The operator or owner of any other vehicle may prove his or her financial responsibility by:

(1) Furnishing satisfactory evidence of holding a motor vehicle liability policy as defined in ss. 324.021(8) and 324.151;

(2) Posting with the department a satisfactory bond of a surety company authorized to do business in this state, conditioned for payment of the amount specified in s. 324.021(7);

(3) Furnishing a certificate of the department showing a deposit of cash or securities in accordance with s. 324.161; or

(4) Furnishing a certificate of self-insurance issued by the department in accordance with s. 324.171.

Posted: 9/17/2009 8:47:04 AM EDT

[#22]

Quoted:
Not mandatory in Texas.

U sure?

Posted: 9/17/2009 8:47:09 AM EDT

[#23]

California

Minimum liability insurance requirements for private passenger vehicles
(California Insurance Code §11580.1b)

* $15,000 for injury/death to one person
* $30,000 for injury/death to more than one person
* $5,000 for damage to property.

Types of financial responsibility

* A motor vehicle liability insurance policy
* A cash deposit of $35,000 with DMV
* A DMV issued self-insurance certificate
* A surety bond for $35,000 from a company licensed to do business in California.

I'm absolutely certain that all of our undocumented workers have the above coverage.

Posted: 9/17/2009 8:49:38 AM EDT

[#24]

Quoted:
Only if you own and drive a car (here in TN).

If you're thinking that mandantory healthcare is comparable to mandantory auto insurance, I'd beg to differ.

Are you sure you have to have it in TN?

And no, I don't think the two are comparable. I think it's a stupid argument to say "well you have to have car insurance, why not health insurance?".

It's made even more stupid an argument by the fact that you DON'T have to have auto insurance.

Posted: 9/17/2009 8:52:35 AM EDT

[#25]

Not required … but I have it anyways. Also have the uninsured motorist coverage since there are a lot of crappy drivers who drive around here without insurance.

Same deal with seatbelts … they're not required, but I wear mine just in case.

Posted: 9/17/2009 8:53:35 AM EDT

[#26]

not required in florida if you can prove economic ability to pay up

Posted: 9/17/2009 8:54:45 AM EDT

[#27]

Only required to have liability if you own your car outright.
Full coverage needed if you have a lien.

This is in PRNJ

Posted: 9/17/2009 8:55:05 AM EDT

[#28]

Quoted:

Quoted:
Only if you own and drive a car (here in TN).

If you're thinking that mandantory healthcare is comparable to mandantory auto insurance, I'd beg to differ.

Are you sure you have to have it in TN?

And no, I don't think the two are comarable. I think it's a stupid argument to say "well you have to have car insurance, why not health insurance?".

It's made even more stupid an argument by the fact that you DON'T have to have auto insurance.

I remember an incident not long ago - don't remember hwo was involved - where the guy's insurance was late and they threatened to notify the DMV. Draw your own conclusions from that.

Posted: 9/17/2009 9:03:43 AM EDT

[#29]

Quoted:

Quoted:
Not mandatory in Texas.

U sure?

Yes. There are many ways of proving financial responsibility.

Sec. 601.051. REQUIREMENT OF FINANCIAL RESPONSIBILITY. A person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle through:

(1) a motor vehicle liability insurance policy that complies with Subchapter D;

(2) a surety bond filed under Section 601.121;

(3) a deposit under Section 601.122;

(4) a deposit under Section 601.123; or

(5) self-insurance under Section 601.124.

Posted: 9/17/2009 9:05:02 AM EDT

[#30]

Quoted:
You are not required to do so in Indiana. You may post a bond or deposit money with the state.

IC 9-25-4-7

Methods of proving financial responsibility
Sec. 7. Proof of financial responsibility when required under this article may be given by any of the following methods:
(1) Proof that a policy or policies of motor vehicle liability insurance have been obtained and are in full force and effect.
(2) Proof that a bond has been duly executed.
(3) Proof that deposit has been made of money or securities.

Yes, you cannot have your car registered if you do not have insurance.

Posted: 9/17/2009 9:14:35 AM EDT

[#31]

Alabama requires liability insurance, a liability bond, or a cash deposit:

Section 32-7A-4

Liability insurance required.

(a) No person shall operate, register, or maintain registration of, and no owner shall permit another person to operate, register, or maintain registration of, a motor vehicle designed to be used on a public highway unless the motor vehicle is covered by a liability insurance policy, motor vehicle liability bond, or deposit of cash.

(b)(1) The insurance policy shall be issued in amounts no less than the minimum amounts set for bodily injury or death and for destruction of property under Section 32-7-6(c).

(2) The motor vehicle liability bond shall be in the amount of not less than fifty thousand dollars ($50,000). The bond shall be conditioned on the payment of the amount of any judgment rendered against the principal in the bond or any person responsible for the operation of the principal's motor vehicle with his or her express or implied consent, arising from injury, death, or damage sustained through the use, operation, maintenance, or control of the motor vehicle within the State of Alabama.

(3) The deposit of cash with the State Treasurer shall be a sum of not less than fifty thousand dollars ($50,000).

(c) Only an insurer authorized to do business in this state shall issue a policy pursuant to this section for any vehicle subject to registration under Chapter 12 of Title 40. Nothing herein shall deprive an insurer of any policy defense available at common law.

(Act 2000-554, p. 1005, §1.)

Proof of same is required to be in the vehicle as well...

Posted: 9/17/2009 9:16:23 AM EDT

[#32]

Car insurance stuff

Do all states require car insurance?

No, all states do not require car insurance but they do require financial responsibility to operate a vehicle on the roadway. While not all states require drivers to buy liability insurance to show financial responsibility, 48 states (plus Washing DC) do. These states do not have compulsory auto insurance liability laws:

1. New Hampshire
2. Wisconsin

All 50 states have different requirements when it comes to auto insurance and the minimum insurance requirements. Almost every state requires you to have Bodily Injury Liability insurance and every states has financial responsibility laws that require you be able to have sufficient assets to pay for any liability you cause in an incident.

In some states, drivers can't register a car without showing proof that they have liability insurance, while other states only need proof of insurance when a driver has an accident or gets tickets. If you visit this free car insurance quote page and select your state, you can see the Minimum Requirements.

Every state requires insurance or that you meet financial responsibility requirements through a bond or some other way which shows you are able to pay if you cause damages to another person or property in an automobile accident. Each state changes and/or renews their laws annually, so some states that had no insurance requirements in the past now do. New Hampshire probably has the least amount of requirements.

With this interactive car insurance map you can click on any state and learn what is required.

Posted: 9/17/2009 9:17:01 AM EDT

[#33]

Yes

Posted: 9/17/2009 9:18:36 AM EDT

[#34]

Yes,

I also pay extra to cover those who don't carry it. (Uninsured motorist coverage)

Posted: 9/17/2009 9:19:46 AM EDT

[#35]

Yep as stated previously. And rates went up as opposed to going down the way the politicians promised.

Posted: 9/17/2009 9:23:12 AM EDT

[#36]

Quoted:
Yes,

I also pay extra to cover those illegal Mexicans who don't have it and can't drive.

Me too.

Posted: 9/17/2009 9:23:24 AM EDT

[#37]

Either insurance or post a bond or binder to self insure.
The limits just got doubled back in January too––––thanks Blanco.

Posted: 9/17/2009 10:49:12 AM EDT

[#38]

Quoted:

Quoted:
You are not required to do so in Indiana. You may post a bond or deposit money with the state.

IC 9-25-4-7

Methods of proving financial responsibility
Sec. 7. Proof of financial responsibility when required under this article may be given by any of the following methods:
(1) Proof that a policy or policies of motor vehicle liability insurance have been obtained and are in full force and effect.
(2) Proof that a bond has been duly executed.
(3) Proof that deposit has been made of money or securities.

Yes, you cannot have your car registered if you do not have insurance.

Really. So if he walked in with proof that a bond had been duly executed, he would not be allowed to register?

Posted: 9/17/2009 11:25:24 AM EDT

[#39]

Quoted:

you must have insurance in FL

Posted: 9/17/2009 12:13:38 PM EDT

[#40]

You are in Pa. Doesn't cover much, but you have to have something.

Posted: 9/17/2009 12:21:25 PM EDT

[#41]

Yes, and they pull your tag if you do not.

Kharn

Posted: 9/17/2009 12:24:04 PM EDT

[#42]

Quoted:
Here in Va you have to have at least liability insurance to a certain limit or pay a $500 uninsured motorist fee/tax..

(Kinda like a health plan fee/ tax that is being proposed...)

Just wait till you get the nice lttle notice and are required to show 'proof of insurance or assets.'

If you cannot prove you have assets equal to the minimum requirements it very quickly rises to felony level status.

The 'uninsured fee' in Virginia is a 'self insurance' fee.

Posted: 9/17/2009 12:25:55 PM EDT

[#43]

Quoted:

Quoted:
You are not required to do so in Indiana. You may post a bond or deposit money with the state.

IC 9-25-4-7

Methods of proving financial responsibility
Sec. 7. Proof of financial responsibility when required under this article may be given by any of the following methods:
(1) Proof that a policy or policies of motor vehicle liability insurance have been obtained and are in full force and effect.
(2) Proof that a bond has been duly executed.
(3) Proof that deposit has been made of money or securities.

Yes, you cannot have your car registered if you do not have insurance.

Really. So if he walked in with proof that a bond had been duly executed, he would not be allowed to register?

When you find out what the bond costs you will begin shopping for insurance.

It is NOT an option for most folks to even consider.

Keep in mind how much some cars cost (not yours but the guy you just hit) and you may want to have more than the minimum
insurance.

Posted: 9/17/2009 12:49:18 PM EDT

[#44]

NY requires insurance. DMV will fine you by the day if you have plates without insurance.

Posted: 9/17/2009 12:49:25 PM EDT

[#45]

No, but you can't drive your car on the highway.

Seriously, here it is, some years after mandatory insurance. Our insurance rates did not go down as promised. There are still lots of people driving around with no insurance.

They passed the seat belt law that the insurance companies promised. At first it was only a secondary offense. Now the cops can stop you for a fishing expedition and just say, "He appeared to not be wearing a seatbelt." It is a primary offense now, even though We the People were promised that would never happen. And our insurance rates still have not come down.

You know promise... "Your shipment is on the truck. Your check is in the mail. And I promise, Honey, I won't..."

Well, you get my drift.

Posted: 9/18/2009 5:08:02 AM EDT

[#46]

Tx you have to have proof of financial responsdibility. That means insurance, or a bond on record with the county clerk of at least 50K. I'd have to look up the exact statute but that is the gist of it in TX

Eta: nvmd. Skillshot got the statutes up for us

Posted Via AR15.Com Mobile

Posted: 9/18/2009 5:13:23 AM EDT

[#47]

yes here in MA

Posted: 9/18/2009 5:19:33 AM EDT

[#48]

Quoted:
yes in Missouri you got to have insurance.

You are required to have liability insurance or a self-insured bond (to pay for anything you crash into or run over). You are not required by state law to have comprehensive or collision coverage, although if your car is owned by a lender they will require comp/coll coverage.

Edit: damn little keyboard

Posted Via AR15.Com Mobile

Posted: 9/18/2009 5:28:07 AM EDT

[#49]

NO - just like Indiana you can post a financial responsibility bond.

Posted: 9/18/2009 5:28:08 AM EDT

[#50]

Quoted:
Yes.

In order to register and legally operate your vehicle on West Virginia roads, you must purchase a liability insurance policy from a licensed auto insurance carrier. At the very least, that policy must include:

$10,000 for property damages
$20,000 for one accident, one injury/death
$40,000 for one accident, two injuries/deaths

Note that the mandatory insurance covers the other guy, not you.

That's one thing so many people fail to realize. Liability insurance DOES cover you. It keeps your house, your car, your bank account, your kids college fund, other assets. Etc. Protected in case you hurt someone or damage their stuff. People really do fail to understand how expensive it is to settle out an auto claim. 10K property damage is chump change. I pay out pretty much every day, at leat one claim where our policyholder caused at least 20K in property damage. Its chump change in the grand scheme, and I know most people on this board don't have that kind of money just lying around. Trust me folks insurance saves your ass if it comes time when you need it.

Posted Via AR15.Com Mobile

[ARCHIVED THREAD] - Are you required to purchase automobile insurance in your state? (Page 1 of 2)

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