Most states require all drivers to carry liability car insurance. Minimum car insurance requirements can vary from state to state however many financial experts could agree that every driver should consider auto insurance far greater than state minimum insurance requirements. For example, in California the minimum auto insurance requirements are 15/30/15. These numbers represent the amount of minimum insurance coverage required for the following categories:
$15,000 for coverage towards accidents involving injuries or death of one person $30,000 of coverage for accidents involving death or injuries of multiple people $5,000 of coverage for accidents involving property damage due to an accident by your fault.
Although these are state minimum requirement do you really believe this is enough coverage in a society where it can cost $5,000 to simply even retain a decent attorney. Consider a fatality - do you think its likely the family of the injured will ask for more than $15,000? Absolutely.
No fault insurance laws provide protection from lawsuits in many circumstances however certainly not all. As a consumer you should always check in to higher coverage amounts before accepting an auto insurance policy. You may be surprised how affordable car insurance is with limits over $100,000 or more for each item above.
The best place to shop for auto insurance is online. Almost every car insurance company is simply a click away and provide online tools to request quotes, find local agents and contact information should you decide to speak with them direct.
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