Denver may be the “Mile High City” but you won’t make it a mile without car insurance.

An old fashioned map is a stark contrast to the traffic technology used in Denver.

Okay, so maybe you will make it a mile without having Denver car insurance on your vehicle without getting caught. But one day they are going to figure out a way to scan every vehicle that is driving on the road to make sure they have insurance coverage.

If you think about it, cities like Denver already snag you with automated cameras for running red lights and speeding; so automated, insurance verification when you drive down the road is just the next step.

Caught on Camera in Denver

More and more cities are looking to photographic evidence to catch speeders or red light runners. In Denver, you can expect it for both.

Red light cameras are only located at 4 intersections at this time per the City of Denver website. So it is nowhere near the expansive program that other cities of the same size have.

However, Denver is also one of the few cities that also employees the assistance of speed vans. A speed van is a speed camera in a van that moves from place to place to catch speeders. Speed vans can only be used in areas where the speed limit is 35mph or less, though. So you won’t find a speed van sitting in the middle of the freeway.

The speed van basically reads that you are speeding and then takes a picture of you and your vehicle. After the information is processed the city sends you a speeding ticket in the mail. If you ignore the ticket, for the low fee of $29.00 they will personally deliver it to you.

Fines for Denver Traffic Camera Violations

Photo Enforcement Fines:

• Residential area or street bordering park $40
• School zone / work zone $80
• Photo red light intersection – through violation $75
• Photo red light intersection – crosswalk violation $40

(denvergov.org)

Denver Car Insurance

Denver car insurance is in place to make sure that if you cause a car accident that you can pay for the damages you cause. Unlike some people would like to believe, insurance is actually a good thing. It protects us from financial ruin because of someone else’s actions and it protects us from the mistakes we make behind the wheel.

So to make sure you are protected, the state of Colorado has mandated that you are required to carry no less than 25/50/15 in liability insurance coverage. Broken down, these numbers mean $25,000 in bodily injury liability coverage for one person, $50,000 in bodily injury liability coverage for 2 or more people, and $15,000 in property damage liability coverage.

The above mandatory insurance coverage for the state applies for Denver also. Since the state is who creates and regulate insurance, Denver car insurance is also known as Colorado insurance.

The Emerald City of Seattle welcomes you and your vehicle, as long as there is insurance on it.

Unless you are travelling by waterway, you need Seattle car insurance.

Patience is one of the most important requirements when driving in Seattle, that and Seattle car insurance. Without both of these you will never make it out of the city still behind the wheel of your own vehicle.

Seattle Car Insurance

The state of Washington requires that you carry no less than $25,000 in coverage for the costs associated with the injuries or death of a person involved in a car accident you caused that was not in your vehicle. For the injuries or deaths of two of more people, the coverage needs to be no less than $50,000. Coverage to pay for damages to another person’s property that is damaged by your vehicle has to be at least $10,000.

Because the state is who sets the insurance coverage requirements for the entire state, Seattle car insurance requirements are the same.

When You Can Skip the Seattle Car Insurance

There are cases where you don’t have to carry Seattle car insurance for the vehicle you are using. Now, some of these make sense like the motor-driven cycle, and the state or publically-owned vehicles. But then there are others that make you just want to scratch your head as to why insurance is not required for them, like motorcycles and mopeds. These vehicles may be small, but they can also cause car accidents.

Finally there are the vehicles that I am completely relieved that they aren’t going to make me carry car insurance for, and that is if I own a horseless carriage that is over 40 years old. (Aren’t these vehicles illegal to drive on the road anyway because they can’t get up to the speed limit?)

You can also skip the Seattle car insurance if you are from another state. However, if you are pulled over the officer will verify that you have the minimum car insurance required for the state you are from. If you do not, you will be subject to penalties and fines.

Seattle Car Insurance Enforcement

If you are caught driving around the city without Seattle car insurance they are going to make you feel it in your wallet. The fine for not carrying the required amount of Seattle car insurance is a traffic fine of no less than $450.

There are other added fines and fees for not having Seattle car insurance, but the $450 is smallest amount you can expect to be fined, no matter if it is your first offense or not.

Carry Boston car insurance, beware the free charging insurance companies, and above all never, ever let your car stand in a prohibited area.

Boston car insurance is not a historical part of the city’s laws.

Boston is one of those cities that is so rich in our country’s history that tourists make it a travel destination year after year. And when it comes to car insurance rules and regulations, it may just be one of those cities that is truly better enjoyed as a frequent visitor than a resident.

No Car Standing in Boston

Okay, the following law is actually on the books in Boston:

“No person shall allow, permit, or suffer, any vehicle registered in his/her name to stop, stand, or park in any street, way, highway, road, or parkway under the control of the City in violation of any of the Rules and Regulations of the Transportation Commission and/or the Commissioner of Transportation of the City of Boston. No driver shall stop, stand, or park a vehicle in any of the following places, except when necessary to avoid conflict with other traffic, pedestrians, or in compliance with the lawful direction of a police officer or official traffic sign, signal, marking, or device.” (cityofboston.gov)

All I can say to this is that unless your car is a Transformer, if you can get it to stand you should be able to do anything you want with it.

Boston Car Insurance Requirements

To drive in the city of Boston, you have to comply with the Boston car insurance requirements that are set by the state of Massachusetts. Since the state sets the requirements, you are okay with car insurance purchased anywhere in Massachusetts as there are no special Boston requirements. The only thing you have to make sure of is that you have no less than the minimum required car insurance coverage.

The absolute minimums in car insurance coverages you are allowed to have and still legally drive are:

Bodily Injury to Others: $20,000 per person; $40,000 per accident

Personal Injury Protection (PIP): $8,000 per person, per accident

Bodily Injury Caused by an Uninsured Auto: $20,000 per person; $40,000 per accident

Damage to Someone Else’s Property: $5,000 per accident

(Mass.gov)

Boston Car Insurance Premiums

In 2008, the state of Massachusetts deregulated insurance. Deregulating insurance basically means that the state open the doors for the insurance companies in the state to charge whatever they saw fit for insurance premiums. The state does not approve premium increase requests, they don’t tell the insurance companies what they can charge, and they don’t step in if they feel that an insurance company is charging more than it should.

The only time the state will step in is if you feel you have been tricked or have been treated unfairly by your insurance company. In other words, if you and your next door neighbor have the same insurance company, drive the same car, but your premium is higher because you are a different race, that’s when the Attorney General will step in.

El Paso car insurance may be the same as the rest of the state, but some of its traffic laws aren’t.

El Paso car insurance requirements mirror those of the state’s.

Driving through El Paso needs to be done with your full attention to the road and not on a wireless device, unless you want to be pulled over. But attentive driving is not the only thing that will keep you out of trouble in El Paso, carrying the required car insurance will also.

El Paso Traffic Laws

Whether we like them or not we are subject to city, federal and state laws when we are driving. And while many laws are well known across the board by all drivers, there are some that may creep up and surprise you because they are only a law in a small area. These types of laws are usually ones that are city specific.

For the city of El Paso, drivers need to keep in mind these city specific laws:

No Cruising- illegal cruising is defined in El Paso as passing by a specific traffic device in a “no cruising” zone more than three times in a two-hour period between the hours of 9 p.m. and 3 a.m. There are specific streets in El Paso that are subject to the no cruising law and others that aren’t. The El Paso police department should be able to provide you with a list of the streets.

Regardless of the more lax state law on wireless devices, using any sort of wireless devices for anything short of a life-threatening event is prohibited.

El Paso Car Insurance Requirements

El Paso may have some traffic laws that vary from the state of Texas, but when it comes to insurance all the laws are the same. This is because it is Texas that determines state insurance laws, but they are enforceable by both state and city law enforcement officials.

To make sure you are in compliance talk to an insurance agent or insurance company to purchase at least the following coverages:

• $25,000 in property damage liability coverage. This will pay for any damages that you may cause to another person’s vehicle or property with your vehicle.
• $30,000 in bodily injury liability coverage. This coverage will pay for the injuries you cause to another person with your vehicle.
• $60,000 in total bodily injury coverage. This coverage is the total amount that your insurance company will pay out for two or more injuries in an accident.

Proof of El Paso Car Insurance

When you buy an auto policy, your insurance company will send you a proof-of-insurance card. You must show your current card whenever you are asked for it by a police officer, have an accident, register your car’s registration, renew your car’s registration, renew your driver’s license or have your car inspected.

The penalties for not having this insurance coverage will result in the following disciplinary actions:

• First time caught is a fine of $175 to $350
• Following offenses result in fines of $350 to $1,000, suspension of your driver’s license, and impoundment of your automobile
• Getting caught with no insurance AND no driver’s license is a $2,000 maximum fine, 180 days in jail, or both
• Offense if you cause an accident with serious injuries or death and have no El Paso car insurance is a $4,000 maximum fine, one year in jail, or both.

The unique Detroit car insurance is the strictest in the entire nation.

Also known as Detroit, Michigan

In 2011, there were 284,049 traffic accidents across the state of Michigan. Compared to the estimated population of 9.8 million people for the state in the same year, those accident statistics aren’t all that bad. Comparably, Wayne County (where Detroit is located) has similar accident numbers statistically, so it is no more dangerous to drive in and around Detroit than it is anywhere else in Michigan.

Still, this doesn’t mean that you should feel free to drive around without Detroit car insurance. For one, it’s illegal to do so. And two, you never know when you will end up as one of those accident numbers.

Required Detroit Car Insurance

Detroit car insurance requirements are exactly the same as Michigan’s car insurance requirements as it’s the state that takes control of that sector of driving. However, state car insurance laws are enforced by Detroit police officers just the same as any other city traffic laws on the books. So don’t think that the city cops will let you slide because insurance requirements are a state thing.

To be able to legally drive in Detroit and anywhere else in Michigan, you have to be carrying all three of the following car insurance coverages:

• Personal Injury Protection
• Liability coverage (property damage and bodily liability)
• Property Protection (different than property damage liability coverage)

Detroit Personal Injury Protection

The personal injury protection coverage is something that is seen in only a handful of other states that are “no fault” states just like Michigan is. Personal injury protection is a coverage that will pay for all of your medical bills and the medical bills of anyone else in your vehicle in the event of an accident; regardless of who caused the accident.

Detroit Liability and Property Protection

The liability coverage is exactly the same as it is in other states, Michigan just lumps it together as one insurance coverage. It still consists of liability coverage for injuries you may cause to another person or damages you may cause to another person’s property in a car accident. Michigan requires drivers to carry no less than $20,000 in coverage per person and $40,000 total coverage for all injuries, as well as no less than $10,000 in coverage for property damage.

The difference in the Michigan liability coverage is that the property damage section of this coverage is only for property damage that you may cause with your vehicle outside of the state of Michigan. Any damages to property that you may cause in Michigan are covered under the required property protection coverage.

The property protection coverage is a coverage unique to Michigan and is not found in any other state. This coverage provides up to $1 million dollars in coverage for any damage you may do to another person’s vehicle, property, state property, etc. within the state of Michigan.

This may seem to be a lot of Detroit car insurance to purchase just to be able to drive, but if you are ever in a car accident you will be grateful you have the insurance company paying these expenses instead of them coming out of your pockets.