most states in usa require car insurance. if you have a valid driver's license and an automobile that is registered in your name, then you need to purchase insurance. however, some states offer exemptions and/or premium discounts for certain drivers. for example: low-income motorists; farmers; automobile dealers; small business owners; seniors (65+) who retire from commercial driving after reaching the age of 65 or suffer early retirement due to incapacitating injury or illness; members of the military (active duty and retired); clergy with a letter demonstrating financial inability to buy liability coverage; persons convicted of misdemeanor illegal drug usage not involving alcohol consumption who apply for three years after conviction date instead of annually during the seven-year statute of limitations period.
is there a state that does not require car insurance?
there is no state that does not require car insurance. it's important to report accidents and losses of the vehicle as soon as possible to ensure you qualify for protection (coverage) in accordance with your policy.
car insurance isn't mandated by federal law, but you're required by law of the state where you reside to buy it if you own a car.
do all us states require auto insurance?
yes, all us states require auto insurance.
utah requires automobile liability insurance of the owner by statute. utah code ann. § 31d-17-1701 (2012).
yes, your state may impose certain requirements for drivers to carry vehicle insurance but most states still require it or will allow it if offered by another type of insurer. these are state laws that might be different from one state to the next and you'll want to check with your dmv representative about how things operate in your specific locale.
what states do not require uninsured motorist coverage?
uninsured motorist coverage in america is a big problem, but only one state does not require it.
it's up to individual states in america what coverage their motorists must have in order to be licensed, and there are currently 12 states who do not require uninsured motorist coverage. in these 12 states, occupants of the car without any form of legal liability insurance for personal injury protection may still have access to basic medical treatment through the medicaid program. but this leaves many people from other states without any appropriate recourse if they're injured and their responsible party has no insurance. the advice here varies depending on which state you live in: if your state doesn't require uninsured motorist coverage then it likely does provide some relief under its medicaid program
does florida require car insurance?
florida law requires insurance coverage for property damage and personal injury or death as a result of negligent operation or use of a motor vehicle.
translation: florida law mandates that you have insurance if you own a car and do not live in a no-fault state.
that means if your car is involved, even passively, in an accident where someone is injured or killed – whether it's because of something the other party was doing to cause their injuries – florida law requires that both parties have auto liability insurance. the only exceptions are those who live in new hampshire, massachusetts, michigan, montana or virginia…if your last name is seagull. in all other cases the requirement will apply to at least one person involved in the crash