Facts about auto insurance liability only

All states have financial responsibility law

If you are driving, you should give evidence that they are financially able to pay for the damages, if involved in a collision. This requirement applies regardless of whether the fault in the accident. If you are not able to provide the necessary evidence are subject to certain sanctions, including revocation of license or revocation of vehicle registration.

The simplest and most effective way to comply with financial responsibility law is to purchase car insurance.

Liability Insurance

The main component of auto insurance is liability insurance, which ensures the legality of the financial responsibility of the defined boundaries of responsibility. Liability insurance pays for losses and damage to property, if at fault in an accident. Each country has specified the minimum requirements for liability insurance. These limits are as follows:

By the state in the state minimum requirements
* Alaska 50/100/25
Alabama 20/40/10 *
* Arkansas 25/50/15
* Arizona 15/30/10
California * 15/30/5
* Colorado 25/50/15
Connecticut * 20/40/10
* Delaware 15/30/5
* Florida 10/20/10
* 15/30/10 Georgia
* Hawaii 20/40/10
* Idaho 20/50/15
* Illinois 20/40/15
Indiana * 25/50/10
* Iowa 20/40/15
* 25/50/10 Kansas
* Kentucky 25/50/10
Louisiana * 10/20/10
* Maine 50/100/25
Maryland * 20/40/10
* Massachusetts 20/40/5
Michigan * 20/40/10
* Minnesota 30/60/10
* Mississippi 25/50/25
* Missouri 25/50/10
Montana * 25/50/10
* Nebraska 25/50/25
* New Hampshire 25/50/25
* New Jersey 15/30/5
* New Mexico 25/50/10
* Nevada 15/30/10
* New York 25/50/10
* North Carolina 30/60/25
North Dakota * 25/50/25
* Ohio 12.5/25/7.5
* Oklahoma 10/20/10
Oregon * 25/50/10
Pennsylvania * 15/30/5
Rhode Island * 25/50/25
* South Carolina 25/50/25
* South Dakota 25/50/25
Tennessee * 25/50/10
* Texas 20/40/15
Utah * 25/65/15
Virginia * 25/50/20
Vermont * 25/50/10
Washington * 25/50/10
Wisconsin * 25/50/10
West Virginia * 20/40/10
* Wyoming 25/50/20

As you can see, the scope of liability expressed in three numbers. The first two numbers constitute damage policy limits. The first number is the amount available to pay medical costs in case the other person, if guilty. The second number is the amount of insurance that is available for payment of medical expenses for all other persons participating in the event, if you are in error. The third number is the amount available to pay for damages to all other parties.

Example: The lower the residential street and get busy (thoughtfully, in a mobile phone, anyway) and did not see a stop sign. Another driver who has right of way, go through intersection at the same time. Allowed to run speed, but other drivers expect to stop. Recognizing that it certainly hit another car, slam on the brakes, but the pace moves to another car.

Of course, he got up collision and the insurance company undertakes. The policy is to pay for medical expenses other driver injuries in an accident, the policy limits (first number). If a driver had passengers in his car policy pays for medical expenses to the limits of the policy (other characters).

So, in this example, if you are insured in Alaska insurance company will pay the driver's medical expenses up to $ 50,000 or $ 100,000 for medical expenses for the driver and passengers.

The company will also pay for the repair of other driver  the car is within its footprint for property damage (third century). If the defendant from civil liability insurance policy that provides for the insurance company to defend in court. After insurance, liability insurance protects the assets.

You have to find out if suitable only liability policy

While the liability only policy has a lot to protect against liability to others, do not repair or replace property. Liability only policy does not pay for medical expenses. It also does not protect you if you suffer injuries when hit by uninsured drivers. Liability only policy would have to be extensive range of comprehensive and collision when making purchases paid for the vehicle for a new car, which is financed.

It is very difficult to say with only liability insurance policy which has its own car when it amounted to was hit while parked, with the  policy does not give them coverage in these circumstances.

Finally some advice that may not always be taken. If you can not replace it the next day after the incident, or can not do without it, it's good.