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What's the Minimum Insurance You Need?

 What's the Minimum Insurance You


The minimum amount of coverage required by law varies from state to state. Almost

every state requires bodily injury liability coverage, but the amount varies as well.

Liability coverage is usually expressed in three numbers, such as 25/50/20, which

represents the maximum payout per accident and per person. If you are in an

accident, you need to have the proper amount of bodily injury liability coverage to

compensate you for your injuries.

Property damage liability coverage

Bodily injury liability coverage is required by law in almost every state. The amount

of bodily injury coverage required by your state will vary, but you should aim to get

at least $15,000 in coverage per person, and at least $50,000 per accident. This

coverage will pay for injuries to third parties and will cover their medical expenses.

You should also get at least $10,000 in property damage liability coverage. If you

want to get even more protection, you should also consider purchasing no-fault

insurance. This type of coverage will cover medical bills for other people if you are

responsible for causing an accident.

If you are involved in an accident with another driver, you must have property

damage liability coverage. It will cover any damage you cause to their vehicle or

property. You may also have to pay for the cleanup, and it could also cover your

court costs if you're sued. A typical policy limits these costs at $100,000 per person,

so you should get at least that much coverage to be protected. If you don't have

enough, you can always increase your limits later.

In addition to bodily injury liability coverage, property damage liability insurance will

also cover the expenses of other drivers in case you cause an accident. This

coverage pays for the medical expenses and property damage of other drivers, up to

the limits of the policy. However, it won't cover your own vehicle. So it's always

better to get as much insurance as you can afford. However, it will increase your

insurance premium.

Uninsured motorist coverage

When choosing a minimum insurance policy, make sure to choose uninsured

motorist coverage. It will protect you against injuries caused by a negligent driver

who doesn't have enough insurance to cover their costs. It may not cover the cost of

medical bills, but it will cover the damage done to your vehicle and any emotional

trauma that you or your family members may suffer as a result of the incident. If

you're thinking about getting uninsured motorist coverage, you can check with your

auto insurance agent about the minimum amount of coverage you need in your


Uninsured motorist bodily injury coverage is required by law. This will pay for

medical bills, lost wages, and pain and suffering if the other party has no insurance.

It also covers passengers in your vehicle. You should also consider the uninsured

motorist property damage coverage. This type of coverage can be obtained for the

same amount as liability insurance. You can combine both of these types of coverage, or you can opt to choose a combination of the two.

If you are ever in an accident with an uninsured motorist, you should seek

compensation for your medical bills. You'll need to identify the other party's

insurance company so you can make a claim. You'll need to provide evidence that

the uninsured motorist doesn't have insurance. You can also file a claim against the

driver for underinsured motorist coverage if the other party doesn't have any.

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