Liability Insurance
The minimum requirements for Auto Liability Insurance are 25,000 Per accident for bodily injury per person, 50,000 per accident aggregate for bodily injury, 25,000 Property damage liability per covered accident. This provides up to 75 thousand dollars each occurrence.
In order to meet financial responsibility requirements for your possible liability. Auto insurance liability coverage must have at least these limits. The policy must be issued by an insurer authorized to do business within the state. Although 75 thousand is the minimum, higher limits are available from most insurers if desired.
Failure to Maintain
Currently, Failure to maintain Financial Responsibility carries a hefty fine and several other penalties including Suspension. An SR22 Filing Requirement is usually imposed before you can get the suspension lifted. The state has recently instituted an annual fine that persists for 2 to 3 years in order to maintain your driving privileges.
Important Notices
As of April, 2008, there has instituted by enacted legislation a requirement that insurers report all insured's Effective policy dates, Expirations and Cancellations to a database for use by law enforcement. This will enable law enforcement to verify coverage validity at the scene or even before pulling a driver over. This will also enable law enforcement officers to quickly ascertain if the driver has presented them with an Expired or canceled card.
Drivers may in the near future find that their drivers and vehicle registration have been automatically suspended due to a loss of, or a lapse in coverage. Many areas have already implemented this method of use.
License Address Update
It is important that your address information be correct and up to date with your local Licensing Authority. You will usually receive any notice from them regarding the status of your driving privileges at the home address we last listed.
Many people have found only after months or sometimes years later that they have been driving on a Suspended License. This is usually the result of outdated information on file.
