What States do Not Require Car Insurance?
In the United States just about every state including the District of Columbia requires that motorists carry some form of auto insurance. There is currently one state that allows motorists to drive without an automobile policy which is New Hampshire, although residents in Virginia will be allowed to pay a $500 Uninsured Motor Vehicle (UMV) fee at the time of registration rather than choosing to purchase liability coverage.
Individuals who do choose to purchase an car insurance in New Hampshire will be required to carry policies consisting of specified types of coverage with certain limits. An automobile policy will need to consist of no less than the following
Liability Coverage $25,000 for bodily injury to one person $50,000 for bodily injury per accident * $25,000 for property damage
Medical Payments * $1,000 per occurrence
Uninsured Motorist $25,000 for bodily injury to one person $50,000 for bodily injury per accident
Motorists in VA who wish to purchase Virginia auto insurance rather than pay the Uninsured Motor Vehicle fee will need to purchase a policy consisting of the following coverage:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury per accident
- $20,000 for property damage
Uninsured Motorist $25,000 for bodily injury to one person $50,000 for bodily injury per accident * $20,000 for property damage
Why Buy Auto Insurance if it is Not Required?
Although New Hampshire does not require motorists to carry an automobile policy in order to operate a motor vehicle, a driver may be taking a risk that could turn out to be more costly than the price of coverage. If a motorist is involved in a traffic accident and they are found to be liable and a lawsuit is brought against them, a court may order that they pay compensation for injuries and property damage that they have caused as a result of a collision.
The cost arising from a traffic accident can become extremely expensive and cause a great financial strain on an uninsured motorist. One must also remember that they may have to pay for their own injuries and damage to their property (vehicle) if they cause a collision. In addition, they will be required to purchase automobile coverage and file an SR-22 which will need to be maintained for three years after the conviction date. In many cases, this will end up being far more costly than if a motorist had purchased and maintained coverage rather than chose to operate uncovered.
Similar to NH, the state of Virginia allows motorists to operate an automobile without a policy, but only following the payment of the Uninsured Motor Vehicle fee which must be paid at time of registration and when registration is up for renewal. Although this is allowed, as mentioned, the risk of driving uncovered may simply not be worth it. Being involved in an automobile accident can be a devastating experience which can only be worsened by not having compensation in place to pay for injuries and damages.
Whether residing in a state which requires automobile coverage or not, a quick auto insurance quotes comparison can help motorists find affordable policies and help avoid being involved in such situations as an uncovered accident and having to endure such an unpleasant incident.