The “fine print” of each insurance policy is very similar to the next, but you have a right to ask for them.

Yes, you have every right to ask for the fine print that goes along with an insurance policy. Because you are purchasing the fine print (the big packet of what is actual covered and not covered under an insurance policy) just like you are purchasing the coverages on the declarations page.

The difficulty that you may find is that insurance agents do not normally keep this part of the insurance policy in their office. You will most likely have to contact the insurance company directly to get this part of the policy. They may be able to send you a copy in the mail or they may have to get it from the legal department.

I know that this seems like a lot of work for something that should be readily available. However, not a lot of people ask for this part of the insurance policy and there is a reason for that. The legal part of an insurance policy is generally the same from one company to another.

You may also want to contact the Insurance Commissioner or Department of Insurance in your state, to find out any specific state laws related to this type of insurance policy request.

You and your finances are protected when you comply with the mandatory North Dakota car insurance requirements; even if you vehicle isn’t.

Keeping peace in North Dakota with many car insurance requirements.

North Dakota car insurance requirements are up there with a small handful of other states that require almost every coverage available to be able to drive. The only coverages that you don’t have to carry to be able to drive in North Dakota are the coverages that protect only your vehicle.

However unpleasant having to purchase all of this North Dakota car insurance coverage may be; it could be worse. You could end up with a criminal record, fines, and a suspended driver’s license for driving without the required North Dakota car insurance.

Mandatory North Dakota Car Insurance

North Dakota car insurance requirements include:

• Bodily injury liability – minimum coverage of $25,000/$50,000

• Property damage liability – minimum coverage of $25,000

• Uninsured motorist – minimum coverage of $25,000/$25,000

• Underinsured motorist – minimum coverage of $25,000/$50,000

• Basic no-fault – minimum coverage of $30,000

Mandatory North Dakota Car Insurance Explained

Bodily Injury Coverage– This North Dakota car insurance coverage pays for medical expenses for other parties that you may cause injury to with your vehicle. The split coverage limits means that the $25,000 is the minimum amount of coverage you can have to cover a single person that you may injure. The $50,000 is the minimum coverage you can have to cover all parties you may injure in an accident.

Property Damage Liability– This North Dakota car insurance coverage compensates the other party for damages that you may do to their property with your vehicle.

Uninsured Motorist– Covers you in the event that you are injured by another party that has no insurance. It works in the same way that bodily injury liability coverage does, in that $25,000 is to cover a single person and $50,000 for all parties. This North Dakota car insurance coverage does not cover damages to your vehicle.

Underinsured Motorist– This North Dakota car insurance coverage works in very much the same way as uninsured motorist; the only difference is that it is for drivers that hit you that don’t have enough insurance. For North Dakota car insurance the coverage for underinsured motorist must match uninsured motorist. This North Dakota car insurance coverage does not cover damages to your vehicle.

Basic no-fault – Known in most states as personal injury protection; it provides you with coverage for medical expenses and other economic losses that you may suffer, from a car accident. This coverage will protect you regardless of who is at fault for the accident you are in.

Failure to Carry North Dakota Car Insurance

If you are caught without North Dakota car insurance and are in an accident, you will have 14 points added to your driving record. These 14 points will lead to a suspended driver’s license.

Even without getting into an accident, if you are caught without North Dakota car insurance you will receive a fine of no less than $150 and will be charged with a class B misdemeanor.

If you don’t have South Carolina car insurance in place, you won’t get anything accomplished with the DMV.

Just like the mon watches over the palm tree, South Carolina is watching your insurance policy.

South Carolina car insurance is tracked by the state both when a vehicle is registered, as well as when an insurance policy is cancelled. Being caught without this South Carolina car insurance at any time, will result in suspensions and fees. If you are a new resident to the state and are without South Carolina car insurance, the DMV will not allow you to complete any action with them at all.

South Carolina Car Insurance and Current Residents

The state of South Carolina requires that all of your insurance coverage be active before you can get or renew your driver’s license and to register your vehicle. When you are getting a new license or renewing your license, you must indicate on the application for your license that you are insured. If there is no vehicle in the household or the vehicle in the household is not yours, you simply indicate that on the application.

In order to register a new vehicle or renew the registration on your old vehicle, you have to have current insurance on that vehicle. The DMV will ask you the name of the company that your South Carolina car insurance is with and then they will verify the information electronically. If it comes back that you are not insured with that company, the DMV will suspend both your vehicle’s registration and your driver’s license for having no South Carolina car insurance.

South Carolina Car Insurance and New Residents

If you are just moving to South Carolina, your new South Carolina address has to be on your current insurance policy. In reality though, you can’t simply update your address for your insurance policy to be good in another state. Your insurance policy will need to be cancelled in your old state and rewritten in your new state. All of which has to be taken care of before you can register your vehicle in South Carolina or get your new South Carolina driver’s license.

South Carolina Car Insurance Requirements

South Carolina car insurance requires that you carry at least $25,000 in coverage for property damage that you cause to another person’s property. You are also required to carry bodily injury liability coverage for any injuries that you cause to another person. South Carolina car insurance law requires that you carry at least $25,000 to cover the medical expenses for one person and $50,000 for the medical expenses of all parties involved in the accident.

South Carolina Car Insurance Tracking

In South Carolina, insurance companies have to report to the state whenever an insurance policy is cancelled. Once the state finds out about the cancellation, you have to provide verification to South Carolina that you do have new insurance in the state. Failure to provide this new information will result in the South Carolina DMV suspending your vehicle’s registration as well as your driver’s license. If suspended, you could have to pay up to $400 to reinstate these items after you do havea valid South Carolina car insurance policy.

Standing firm and doing your research is the best way to increase the insurance settlement.

Your insurance company is all about the bottom line. They are in business to make money; and they do so by collecting your premium, not from paying out on claims. This means that when it comes to paying you for the total loss of your vehicle, most insurance companies are going to try and pay as little as possible.

To be able to get the true value of what your vehicle may be worth from the insurance company, be prepared with information to back up what you believe is the worth of your vehicle.

First, find out what the Blue Book value is for your vehicle, so you know what value your insurance company is using. Blue Book values have different levels of how much a vehicle is worth and you want to make sure that the insurance company isn’t using the lowest one listed. This will also give you a starting point of what to request for the insurance settlement amount.

You also need to find out what similar vehicles are selling for in your area. You will want to make copies of the sales ads for the vehicles, as proof to send to the claims adjuster working your case. Use this information to back up what you claim is the value of the vehicle.

Most of all, never take the first offer that the claims adjuster presents to you. You need to stand your ground and negotiate until it reaches a reasonable, insurance settlement amount that you can live with for the value of your vehicle.

Tennessee car insurance is just easier to keep than to get caught without.

Keeping active Tennessee Car Insurance will prevent you from finding yourself off the road with is suspended license.

Sometimes it is just easier to follow the rules, than to pay the consequences for trying to get around them. If you are going around Tennessee without the required Tennessee car insurance, you are going to end up paying for tickets, face license suspensions and then have to pay higher insurance rates for up to 5 years.

In the end, you will have more money coming out of your pocket in trying to get around Tennessee car insurance laws; than if you were to just pay the premium for the required coverage.

Minimum Tennessee Car Insurance

The state of Tennessee requires that its residents carry no less than 25/50/15 in liability limits for Tennessee car insurance. Broken down into plain English this means:

• $25,000 in coverage to cover the medical expenses for a single person.** This person is someone that you may have hit with your vehicle while they were walking, riding a bike or driving another vehicle.

• $50,000 in coverage to cover the medical expenses for all of the people involved in an accident that was your fault**.

• $15,000 in coverage to go towards that damage you cause to another person’s property.

** As an example, if you ran a stop sign and hit another vehicle with 3 people in it; your insurance would only cover up to $25,000 in medical expenses for each person. It will also only cover up to $50,000 for all medical expenses for all three people.

These coverage limits mean that if each person in the accident has $20,000 in medical expenses ($60,000 total), than your insurance company is going to pay $50,000 for these expenses. This means that you are going to be responsible for the remaining $10,000.

Penalties for No Tennessee Car Insurance

Failure to provide proof of insurance carries a fine of up to $100 and is classified as a Class C misdemeanor. In addition to the fine and the misdemeanor on your record, you also will have your driver’s license suspended.

A STOP will also be placed on your vehicle registration because you failed to provide evidence of insurance coverage. To be able to renew your vehicle registration, you have to get your driver’s license reinstated first. If you were able to provide proof of insurance coverage prior to the court’s disposition, then you will have to provide proof of insurance when you renew your registration.

SR-22 Form for Tennessee Car Insurance

An SR-22 form has to be added onto your regular Tennessee car insurance when your license has been suspended. Because your license is suspended when you fail to provide proof of insurance, you will need an SR-22 form when you get insurance again.

In Tennessee, you can be required to have an SR-22 for 5 years from the date your license was suspended. If you don’t reinstate your driver’s license during the 5-years following your suspension, you don’t have to file for an SR-22. However, if you do reinstate your driver’s license and then let your SR-22 lapse on your Tennessee car insurance, before the required time, your license will be suspended again.