Sentences with phrase «as a liability coverage state»

As a liability coverage state, California holds the insurance policy of a driver responsible for carrying the costs of an accident if they're found to be at fault.

Not exact matches

Aside from increasing your liability insurance limits, you can also purchase other types of auto insurance coverage, which can provide valuable protection that wouldn't normally be included as part of your state's minimum requirements.

The state doesn't require uninsured motorist coverage, but requires that insurance companies offer it as part of liability coverage.

Buy the minimum car insurance coverage: Minimum coverage is the lowest amount of liability insurance coverage allowed under the law in each respective state or as may be allowed by an auto insurance company.

Car insurance is made up of three major parts: liability coverage, which is required in virtually all states; collision coverage, which is optional and pays for damage to your car from crashes with other cars or objects; and comprehensive coverage, which is also optional and covers just about everything else — such as a collision with a moose, hail damage or car theft, Passmore says.

For this reason, you are unlikely to find an RV insurance policy that will provide liability coverage as low as the state minimum requirements, so you should purchase as much liability insurance as you can comfortably afford.

USAA provides standard coverages, such as liability, comprehensive and collision insurance, that you would expect from an auto insurer or that might be required in your state.

Sample car insurance rates assume the drivers are a 40 year old married couple who owns their vehicle, has excellent credit, and opts for minimum liability coverage as required by the state of Washington.

Many state laws require liability coverage, also known as «property damage / bodily injury.»

Both bodily injury and property damage liability coverage is required in almost every state, and some states require personal injury protection and uninsured motorist coverage as well.

Typically, auto insurance coverage — liability and collision — will cover the insured person's damage to his or her vehicle in an accident, the damage to the other person's auto or property if the insured was at fault, as well as medical bills, all up to the maximum stated in the policy and subject to the deductible.

Jason Pettus is a civil litigation defense attorney with a strong litigation background through the representation of general contractors, subcontractors, owners, and design professionals in the resolution of all manner of construction issues, including construction / design defect claims, environmental claims and contractual disputes, catastrophic injury, premises liability, and motor vehicle accidents in both state and federal courts, as well as insurance coverage analysis, advisement of clients, and coverage litigation.

The underlying premise of uninsured motorist coverage insurance in Maryland, as it is in most states, is to put the car accident victim in the same position they would find themselves in had the at - fault driver had liability coverage equal to the coverage to that of the accident victim.

Courtney Culver Baker has experience throughout the State of Texas in both state and federal courts, as well as the Fifth Circuit, representing corporate, not - for - profit and individual clients both in pursuing and defending cases in areas including business and contract disputes, real estate, catastrophic personal injury, ad valorem taxation, securities disputes, insurance coverage, professional liability and trademark infringeState of Texas in both state and federal courts, as well as the Fifth Circuit, representing corporate, not - for - profit and individual clients both in pursuing and defending cases in areas including business and contract disputes, real estate, catastrophic personal injury, ad valorem taxation, securities disputes, insurance coverage, professional liability and trademark infringestate and federal courts, as well as the Fifth Circuit, representing corporate, not - for - profit and individual clients both in pursuing and defending cases in areas including business and contract disputes, real estate, catastrophic personal injury, ad valorem taxation, securities disputes, insurance coverage, professional liability and trademark infringement.

In many jurisdictions in the United States, the amount of third - party liability coverage that is available to pay your damages suffered in an accident is very modest and sometimes as low as $ 10,000.

Attorneys for both plaintiffs and defendants will find comprehensive coverage of such matters as: the advantages and disadvantages of suits based on strict liability, negligence and breach of warranty; the use of state consumer protection statutes; the duty to warn and its innumerable ramifications; the liability of the manufacturers, retailers and other potential defendants in the distribution chain; successor liability; federal preemption of common law claims; monitoring product safety during design, manufacturing and distribution; causation theories in actions involving multiple manufacturers; product misuse and alteration; the elements of proof needed in an action; recovery for economic loss; punitive damages; and the government contractor defense.

Liability for Bodily Injury — The minimum coverage for bodily injury varies by state and may be as low as $ 10,000 per person or $ 20,000 per accident.

Aside from the state minimum requirements, motorists should take the time to decide if they could benefit from higher liability limits to protect assets, and whether or not optional coverage would be needed such as comprehensive and collision to pay for a loss sustained by a policyholder's vehicle.

State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motoState Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motostate; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.

While most states require you to have certain car insurance coverages, typically at least bodily injury liability and property damage liability, for your gap insurance to be in effect you need to carry physical damage coverages of collision and comprehensive on your vehicle as well.

The amount of liability coverage a business needs depends on such factors as risks associated with this or that type of business and the state where the business operates.

If you're a driver in the Badger State, you're required to have bodily injury and property damage liability as well as uninsured motorist coverage on your auto insurance policy.

Nearly every state requires you to carry a minimum amount of liability coverage as part of your auto insurance policy.

The state - mandated coverages may be the same as your state minimum liability requirements, or they may have higher limits.

However, not all car owners have comprehensive coverage; many carry only liability insurance, as their states require.

It's important to ask about details such as the amount of liability protection, bodily injury protection and the kind of coverage provided if you're hit by an uninsured or underinsured motorist, notes Deeia Beck, the state insurance consumer advocate in Texas.

In fact, state law requires every driver to purchase bodily injury liability coverage of $ 15,000 per injured person, up to a total of $ 30,000 per accident, and property damage liability coverage of $ 10,000 (known as a 15/30/10 policy).

All states except New Hampshire require you to have a minimum amount of liability insurance, and some also require other types of coverage such as personal injury protection and uninsured / underinsured motorist coverage.

As a registered motorist in the Equality State, you should have liability coverage with minimum limits of 25/50/20.

In the state of Kansas, it is only part of the overall package of coverage needed for every driver to comply with state law; but as it does in every policy nationwide, liability protection forms a sort of foundation for coverage.

All states require their drivers to purchase liability coverage as part of mandatory Delaware basic auto coverage.

Sample car insurance rates assume the drivers are a 40 year old married couple who owns their vehicle, has excellent credit, and opts for minimum liability coverage as required by the state of Washington.

Even though CT, MA and NJ state laws do not require you to have coverage otherwise, it is still important in order to protect your home and your property, as well as the possessions you own, living expenses in the event of a disaster, and liability coverage from lawsuits.

Mississippi law mandates that all motorists in the state maintain liability insurance with minimum limits of 25/50/25 and carry an insurance card as proof that this coverage has been purchased and maintained.

All drivers in Broomfield city and county are required by Colorado state law to carry auto liability insurance as a minimum coverage for each vehicle they own.

If you're concerned about the price of your policy, consider going with a higher deductible or lower amount of liability coverage, as long as you are still above the state's minimums.

Car owners and drivers have to be covered against New Hampshire liability expenses, purchase medical payments coverage, and include uninsured motorist protection on their policies should they choose to be insured in order to fulfill their legal obligation as set forth by the state of New Hampshire [1].

Other states require additional coverages, such as uninsured / underinsured motorist coverage or personal injury protection, above and beyond the minimum levels of bodily injury and property damage liability: Colorado, Connecticut, Delaware, District of Columbia, Florida, Hawaii, Illinois, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Utah, Vermont, Virginia, West Virginia, and Wisconsin.

When you are insuring your vehicle in Spartanburg, SC you need to purchase liability and uninsured motorist coverage as part of the state driver's law.

A. Full coverage is a subjective terminology, and insurance needs change from person to person, vehicle to vehicle, and state to state, but it is common to define policyholders who purchase comprehensive and collision in addition to the required personal injury protection, liability, and uninsured or underinsured motorists as fully insured.

This usually includes property damage liability as well as bodily injury liability and uninsured motorist coverage in some states.

The following quotes for Hartford are built on a policy that includes $ 25,000 in coverage for bodily injury and property damage liability (which is above the minimum required amount for each state) as well as medical payments liability coverage as required in Maine.

Some insurance companies and state regulations even refer to employers liability insurance as «stopgap coverage.»

The average car insurance price assumes that all insured vehicles include liability coverage, the minimum auto insurance requirement in most states, but does not reflect the total of liability as well as collision and comprehensive coverage — because not all auto policies include all three coverage types.

With the exception of liability coverage, which shifts to the Transportation Network Company, your State Farm's personal policy coverages (such as rental, medical payments for you or comprehensive) extend through all three defined periods.

However, just to give you an idea as to the price of a bare bones (read: cheap) policy, here's a breakdown of the average annual cost of liability insurance in the states that only mandate that type of coverage, per NAIC.

This policy provides the basic legal liability for coverage (as stated above), with additional add - ons such as medical payments coverage, and uninsured motorist bodily injury policies.

As we mentioned earlier, state liability minimums provide very minimal coverage (naturally), so if you don't have car insurance or your own liability insurance is lacking, you're going to want some SLI.

USAA provides standard coverages, such as liability, comprehensive and collision insurance, that you would expect from an auto insurer or that might be required in your state.

(d) Such motor vehicle liability policy shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period and the limits of liability, and shall contain an agreement or be endorsed that insurance is provided thereunder in accordance with the coverage defined in this Article as respects bodily injury and death or property damage, or both, and is subject to all the provisions of this Article.