When you buy auto insurance, the company agent will offer you to choose among many combinations, programs and coverage amounts depending on the minimum requirements of the state. To facilitate the choice, you must explain each specification and the minimum or maximum coverage limits that must be obtained according to the state.
It is advisable that when making the inquiry to find the right insurer for auto insurance, also find out with the State Insurance Department the requirements that it requires with respect to drivers and if they are required to have one type of insurance or another, how much is the minimum coverage and what type should have.
This does not imply that only the minimum required must be obtained, or that this is sufficient; On the contrary, most of the time the minimum required by the state is insufficient to cover the costs of accidents in real life, but it is a point to start defining how much auto insurance is needed.
State laws require the amount and type of coverage that drivers must have, but they also dictate the rules to which all drivers are subject. Among the most important you should know are:
The financial responsibility of all drivers (financial responsibility).
The law of liability for damages (damages) or tort liability applicable in the state.
The rules for the use of seat belts.
The restrictions of alcohol consumption when driving.
The age restrictions to drive.
Driving safety and state laws
It is proven that using the safety belt saves lives in the event of an accident and its use is recommended constantly, but in just 23 states the police can stop a vehicle just because its occupants are not wearing the belt. However, in almost all states there are secondary laws regarding the belt, which allow the police to find the lack of use of the belt when they arrest a driver for committing another infraction.
As a precautionary measure, both security and to avoid a fine, it is advisable that every time you enter the car use the seat belt. This custom can only help you, and being safe never gets in the way.
The restrictions imposed by the law on driving under the influence of alcohol are also very important, both for safety and legally. In addition to being the cause of many accidents, numerous deaths and misfortunes, in almost all states are severely penalized driving after consuming alcohol.
For 2004 each state of the country and the District of Columbia adopted a maximum limit of blood alcohol of no more than 0.08 for adult drivers, that is, over 21 years, and have adopted this age as the minimum for sale and consumption of alcohol throughout the country. Legal tolerances for minor drivers are more demanding and in many states, they even require a policy of “zero consumption” of alcohol when driving.
Many parents of adolescent boys who have died like this maintain that it is not enough to penalize the cancellation of the use of the license of drunk drivers or those with an alcohol content greater than 0.08 in their blood. And, although it causes a lot of controversies, many argue that it is important that physical controls be established on the roads that they check and prevent drivers from driving drunk.
In addition, each state has laws that restrict drivers from driving when they are very young or very old. These are the two groups that due to the lack of experience (adolescents), and due to the decrease of their physical faculties (such as the reduction of reaction in people over 70 years of age), are regulated by the state and forced to take specialized learning courses and refreshing management knowledge.
In both cases, the agency in charge of issuing the driver’s license may impose restrictions on the use of the license, according to the driver’s age or ability. For example, they can limit the driving time for young people, so that until a certain age they do not drive at night; or that must be accompanied by an adult at certain times of the day; or they can limit people older than a certain age to driving outside areas of greater traffic, such as highways and express roads, etc.
Financial responsibility and insurance coverage
In all states of the country, the financial responsibility law applies, that is, it requires that if a person causes physical harm to someone or to their property while driving, the driver will
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