Read on for answers to the questions we get the most.
What are the rules of auto insurance?
The rules of auto insurance differ by state, but most states require property damage and bodily injury liability. Exceptions include Florida and New Jersey which don’t require bodily injury liability, and New Hampshire and Virginia which don’t require any auto insurance but instead, fees. Some states also require medical payments, personal injury protection, uninsured motorist, or underinsured motorist coverage.
How does car insurance work when you are at fault?
How car insurance works when you are at fault depends on what state you’re in. In no-fault states, your car insurance may cover the accident or damage through medical payments or personal injury protection. However, if you don’t have collision coverage and you’re not in a no-fault state, then you’ll have to pay for the repairs out of pocket. As of October 2021, these are the no-fault states:
- New Hampshire
- New Jersey
- New York
- North Dakota
Can someone drive your car without being on the insurance?
Someone else can drive your car without being on the insurance, as long as they have your permission. With permissive use, your insurer will cover any damages that the driver caused, even if they’re not on your insurance policy. However, some companies drop the coverage down if the driver isn’t a named insured.
How long after getting car insurance can you use it?
How long you can use your car insurance after getting it depends on the effective date in your policy. You can request this effective date when you sign up for your policy with your agent; it can be on the same day or within 30 days.