New Mexico car insurance has fairly simple requirements that the state keeps track of electronically.

The “Land of Enchantment” and low insurance requirements.

The state of New Mexico doesn’t ask for much. They only require that you carry a small amount of liability insurance; just in case you do cause an accident. For those that live in the state, the minimum New Mexico car insurance requirements may seem like a lot; but compared to what other states require, it’s not.

Minimum New Mexico Car Insurance Requirements

New Mexico car insurance requirements only call for bodily injury liability coverage and property damage liability coverage.

The bodily injury liability is the coverage that pays for the medical expenses of the other person that you hit. New Mexico car insurance law only requires that you carry $25,000 in coverage for the medical expenses from one person. For the total medical expenses for all parties that were not in your vehicle, you are required to have $50,000 in coverage.

Property damage coverage for New Mexico car insurance is at a measly $10,000. This is barely enough coverage at all and would hardly cover the cost to repair a single vehicle. This is definitely not enough coverage to pay for damages to multiple vehicles or if the vehicle you hit is a total loss.

If you are looking to save money just by going with the minimum New Mexico car insurance requirements, you need to be putting the money you saved away. Because if you get in an accident, you will need that saved money to pay for the damages you cause that are beyond the $10,000 your insurance company will pay for.

If you aren’t good at saving money for a rainy day, you may want to purchase more coverage than this.

Tracking New Mexico Car Insurance

The New Mexico Insurance Identification Database tracks all of the registered vehicles in the state and whether they have insurance coverage or not. The database can be accessed by the Motor Vehicle Division (MVD) of the state, the court, and police officers.

If you receive a Notice of Noncompliance from the MVD, you will have to work with your insurance company to have them send the state your insurance information. Without this proof of coverage from your insurance company, the state will suspend your vehicle registration.

Penalties for No New Mexico Car Insurance

If you are driving or have a vehicle registered in New Mexico and you do not have insurance coverage your vehicle registration will be suspended. You could also face other fines and criminal penalties, depending on the situation. The state or the officer working on your case will advise you of the penalties that you face.

To get your vehicle registration reinstated after suspension, you have to purchase an insurance policy that meets the minimum New Mexico car insurance requirements. Once you have purchased this policy, your insurance agent will update the Insurance Identification Database telling the state that you have insurance.

Now that you have New Mexico car insurance, you can visit any MVD office (24 hours later) to reinstate your vehicle registration after paying the $30.00 fee.

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.

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.

Recent changes in legislation just made Wisconsin car insurance a little more affordable.

Welcome to Wisconsin- The Land of Changing Insurance Requirements

Every time a political party regains control of their state, there is always the chance that new laws will be put into place according to that party’s agenda. Wisconsin recently went through their own political party shift and the newly in control Republicans took aim at changing Wisconsin’s car insurance laws.

Now, the insurance laws that the Republicans recently changed were just put in place about 2 years ago by the Democrats that then had control of the state. Which serves as a reminder to us all of how connected politics are to our car insurance. (I promise that is the only political message I have today).

The Old Required Wisconsin Car Insurance

Prior to November 1, 2011, the minimum liability limits required in the state of Wisconsin were very high for liability injury coverage and uninsured motorist coverage. These required limits are just about the maximum that insurance companies sell and seem to be ridiculously high for being the lowest limits that a driver can purchase. They look even worse considering the fact you only had to have $15,000 in property damage coverage on your Wisconsin car insurance.

Wisconsin Car Insurance Minimums (prior to 11/1/11):

• $50,000 for injuries to a single person

• $100,000 for the total cost of all injuries in the accident

• $15,000 to cover property damage that you do to another

• $100,000 uninsured/underinsured motorist coverage for injuries to a single person

• $300,000 uninsured/underinsured motorist coverage for total cost of all injuries in accident

The New Required Wisconsin Car Insurance

Thanks to new legislation that was passed in Wisconsin in early 2011; Wisconsin drivers got a break in how much insurance they have to carry in order to be able to driver legally.

As of November 1, 2011 the minimum required coverage for Wisconsin car insurance dropped to the following levels:

• $25,000 for injuries to a single person

• $50,000 for the total cost of all injuries in the accident

• $10,000 to cover property damage that you do to another

• $25,000 uninsured/underinsured motorist coverage for injuries to a single person

• $50,000 uninsured/underinsured motorist coverage for total cost of all injuries in accident

As you can see the state dropped the required bodily injury requirement in half and the uninsured/underinsured motorist coverage was dropped to over a quarter of what was required previously.

This decrease in Wisconsin car insurance requirements was done to give Wisconsin drivers more options for their insurance coverage. It also allows those with lower incomes to be able to purchase cheaper insurance so they can drive, instead of having to drive illegally because they can’t afford coverage.

Safety Responsibility Law for Wisconsin Car Insurance

In the state of Wisconsin if you are in a car accident, you have to report it to the Division of Motor Vehicles (DMV) if there are any injuries or fatalities. You also must report any accident that causes more than $1,000 to another person’s property; even if there are no injuries in the accident.

You have 10 days to report the accident to the DMV, the only exception being if a police officer took an accident report at the scene. In this case, the officer will file the report for you with the DMV; you will still have to file the claim with your Wisconsin car insurance company though.