Please see information on Auto Insurance below.



Auto insurance, sometimes called car or vehicle insurance, is compulsory in many states yet within each states the requirements change.

Compulsory Insurance in America

In general, compulsory auto insurance will cover the basics like third party liability for injury or damage caused to others. Yet in some states (such as Virginia) you are required to pay the state up to $500 if you do not buy liability insurance on your car. In other states there may be other large fines for not purchasing adequate vehicle cover.

California has enforced the Personal Responsibility Act which means that uninsured drivers cannot claim damages if they are injured while driving a vehicle. This is intended to encourage people to take liability insurance.

So, before buying auto insurance it is important that you find out what is compulsory in your state so that you at least cover those areas before adding more cover.

What is Additional Cover?

Additional coverage on your auto insurance means adding clauses such as medical expenses or accident to yourself into your policy. Additional cover is optional but can be worth looking into some insurers will add extra cover for a special discount.

You might wish to take additional auto cover if your car is worth a significant amount of money.

Some insurers provide specialist auto insurance for example, for the over 50s or for women. This is because certain groups are lower in risk than others.

As mentioned before in this guide, young drivers generally are required to pay higher premiums than older drivers. This is because they are officially seen as being more likely to cause accidents on public roads then older drivers.

What are the Benefits of Auto Insurance?

Auto insurance is mandatory in all states in America, but there are many different providers so you can find a good deal and save costs. While it may seem a nuisance to have to pay auto insurance, the costs are outweighed by the potential costs from medical fees and lawsuits that arise from a road accident.

Even if you are a safe driver, unfortunately there are so many careless and reckless drivers on the road today meaning that you are at risk too. Shop around and compare offers to get the right auto insurance policy, for peace of mind and added security.


Please Note: is not authorised to give advice under provincial and federal regulations.

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