North Carolina Teenager Auto Insurance: Important Facts To Know Before Buying

A 2003 Department of Transportation report found that a young driver age 19 or less was involved in a motor vehicle crash every 23.6 minutes. Over 19,000 people 19 or less were killed or injured in a car accident. The North Carolina State Highway Patrol offers driver education programs to combat the dangers associated with young, inexperienced drivers. Parents looking for North Carolina teenager auto insurance should consider the following facts before adding a child to their insurance policy. Fact: Most Underage Accidents Involve Alcohol. In 2005, the North Carolina State Highway Patrol arrested over 2,178 impaired drivers under age 21. North…

Is Florida A No Fault Auto Insurance State?

New residents to the Sunshine State may wonder, “Is Florida a no-fault auto insurance state?” Before buying a new policy, it’s important to understand what the law says about a driver’s responsibility. As with all states, you must carry personal injury and property damage liability protection. What Does FL No Fault Insurance Mean? Florida is one of a select few states that are considered “no fault.” If you are injured in an auto accident, you will have to pay the first portion of your medical bills ($10,000) before the other party is expected to pay, regardless of who is at fault….

SR 22 Auto Insurance In North Carolina: What Is “Proof Of Insurance?”

Did you know that North Carolina is just one of two states that DO NOT require you to obtain SR-22 certification? You will still need auto insurance, of course, but this lax law comes as a welcome relief to many drivers. What Is SR 22 Auto Insurance? In most states, people carry an SR-22 document to prove their financial responsibility. If you are fortunate enough to have a “jackpot” of a savings account or a wealthy background, you do not necessarily need auto insurance if you can pay tens of thousands in damages should you cause an accident. Of course, it is not…

Michigan Teenager Auto Insurance: Important Facts To Know Before Buying

As of last March, there have been a few new driving restrictions for Level 2 license holders. The first is that a teen driver may not have more than one passenger under age 21 in the car who is not an immediate family member or unless the driver is traveling to/from school. The second restriction is that teen drivers may not drive between the hours of 10 p.m. and 5 a.m. unless driving to/from work or with a parent/licensed adult over 21 years old. When Can Teens Legally Drive In Michigan? Level 1: Supervised Learner’s License Level 2: Intermediate License…

Is New York A No Fault Auto Insurance State?

New York State is a no-fault auto insurance state. Whether this is a good thing or a bad thing really depends on who you ask. Currently, the only other no-fault states are: Kentucky, Hawaii, Kansas, Massachusetts, Michigan, Pennsylvania, Florida, New Jersey, Minnesota, North Dakota and Utah. Pros of New York No Fault Auto Insurance Proponents of the no-fault auto insurance system say that it lowers premiums by eliminating unnecessary litigation. Say you were in an accident in a tort state like Texas and you caused $15,000 in damage to the other vehicle. If the accident was deemed your fault, you would be expected…

Ohio Teenager Auto Insurance: Important Facts To Know Before Buying

Here’s the bad news: you teenagers may only make up 20 percent of the driving population, but you are responsible for over 400,000 serious accidents each year. Car accidents claim over 5,000 precious young lives each year. Unfortunately, inexperienced first-year drivers are involved in more accidents than any other group. To reduce the number of statistics, the state of Ohio has created a graduated driver licensing program aimed at making the roads safer for everyone. Ohio Teenager Driving Requirements The GDL program may be started at age 15.5. The driver must complete 24 hours of classroom study and 50 hours…

Is Texas A No Fault Auto Insurance State?

Do you know what a “no-fault auto insurance policy means?” A no-fault system requires drivers to purchase insurance to cover their own vehicle, medical expenses and passengers, regardless of who is at-fault. This protects you from being sued by other drivers. No-fault states include: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah, and Puerto Rico. Does Texas Have No Fault Auto Insurance? No! Texas does NOT have no fault auto insurance. Essentially, Texas requires drivers to purchase insurance with minimum limits to cover accidents they cause. Someone is always deemed at-fault in an accident in Texas. You must carry a minimum…

Pennsylvania Teenage Auto Insurance: Important Facts To Know Before Buying

The thought of insuring a Pennsylvania teenager can be daunting, as teen auto insurance rates tend to be rather high. Statistically speaking, teens get in more accidents, hence the higher rate. Since Pennsylvania is a no-fault state, your son or daughter will be covered by your insurance policy should an accident occur — regardless of who is to blame. However, you will still want to find the best rates. Here are a few tips. Have Your Teen Take A Training Course. The completion of a driver safety course through school entitles Pennsylvania teenagers to a 10 percent discount. These classes used to…