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The auto insurance law of the state requires all licensed drivers to have liability coverage, to address expenses and losses associated with vehicle accidents. A driver caught driving without having proof of liability coverage will face an imposed fine for up to $1,000 and likely imprisonment for a year. This is because failure to acquire coverage is considered a legal misdemeanor. The state also imposes fines for driving uninsured vehicles, starting with $25 for first offense and graduating to the revocation of automobile registration on the third offense.

The minimum limit for individual bodily injury is $25,000 while total injury has limit of $50,000. On the other hand, property damage liability is capped at a minimum of $25,000. Of course, individual policyholders may purchase higher premiums should they wish to pay even less for liabilities in case of untimely accidents.

There are also other coverage that policyholders may consider purchasing. In fact, some automobile lenders may require drivers to purchase additional insurance coverage for physical damage in the event of theft or damages to vehicles acquired through loans or lease. This type of insurance may come in the form of collision or comprehensive coverage.

Being involved in an accident with an uninsured motorist also poses a lot of headaches in the part of the insured driver. To lessen any hassle and possible liabilities, coverage for uninsured motorist may also be purchased.

Even if a licensed driver has purchased liability insurance, he or she still has several obligations in order to maintain the policy in top form. Foremost of which would be timely payments and the maintenance of excellent driving history. Each policyholder should know that state law allows insurers to non-renewal a particular policy in some special instances, such as the occurrence of more than one at fault accident in a specific time period or when total claims payments exceed $75,000. Some insurance company may even refuse coverage or initiate a cancellation the moment the policyholder adds an automobile into the policy, if the automobile is classified as high performance and carries considerable high risks. And, of course, revocation of driver’s license is another legal cause for insurers to cancel a policy.