No matter if you are driving your car or have it parked in Nashville, there are rules and penalties being enforced for everything.

Downtown Nashville may be beautiful, but make sure you park where you are supposed to.

Trying to get away with anything in Nashville is almost impossible with all the law enforcement agencies they have enforcing both traffic and parking laws. There are three different agencies out patrolling the roads making sure that you are driving safe and carrying insurance. And there are many different agencies in Nashville making sure that you park your car correctly.

While Driving, Carry Nashville Car Insurance

Every state, except Alaska, requires that their drivers carry car insurance on their vehicle in every part of the state and every city they drive in. The state creates the required insurance laws and drivers buy the coverage in the area they live in, like Nashville. Then that Nashville car insurance provides protection for anywhere they drive.

The car insurance laws however, are enforced by every law enforcement agency within the state border, not just the state law enforcement agencies. This means that you will get in trouble for not carrying the required state car insurance with the county sheriff and city police officers, just like you would the Tennessee Highway Patrol.

To keep yourself out of trouble across the state, make sure that while you are driving your vehicle that you are carrying at least the following insurance coverages:

• 25/50 for bodily injury liability coverage ($25,000 for one person’s injuries, $50,000 for injuries of one or more people)
• 15 for property damage liability coverage ($15,000 of coverage to pay for damages you do to another person’s vehicle or property with your vehicle).

Skipping the Nashville Car Insurance

If you would prefer to drive without Nashville car insurance, no one can stop you. However, if you are caught by a Nashville police officer without car insurance they will give you a slap on the hand with a fine of no more than $100 and a Class C misdemeanor on your record. That’s not too bad of a punishment for saving all that money from not having to pay those insurance premiums, right?

Oh wait, I forgot something. Nashville then reports to the State of Tennessee that they caught you driving without insurance. The state then steps in and your driver’s license and car registration are both automatically suspended.

Parking in Nashville

Along with mandatory insurance requirements, drivers have to deal with parking issues in Nashville as well. And parking in Nashville is not any less of a pain than it is in any other city. In fact, it may be a little more of a pain as there are 6, yes 6, different agencies that give out tickets to drivers that have broken parking rules.

If you get a parking ticket, you have 45 days to pay it or plead “not guilty” and request a court date to fight the ticket. But whatever you decide to do, don’t ignore the ticket. Ignoring the ticket will just make things so much worse.

The best way to avoid all the problems associated with these parking tickets though, is to be extra vigilant of parking signs and rules when parking in Tennessee.

Being its own city and state, Washington D.C. gets to make their own traffic laws.

Keep driving beautifully in Washington D.C. just like this sunset and you will have no worries.

Washington D.C. is in the unique situation of being both a large city and technically its own state. So unlike other cities where they get to make their own traffic laws and penalties, but are at the mercy of what the state determines for car insurance, Washington D.C. gets to determine both.

Mandatory Washington D.C Car Insurance

Washington D.C. is just like any other state in that they require their residents to carry car insurance if they have a vehicle registered or carry a reciprocity sticker for Washington D.C. The coverages are pretty standard compared to other states, other than the uninsured motorist coverage that is also required.

Required car insurance coverage:

Property Damage Liability ($10,000 minimum) – This coverage pays for the damages that you may cause to another person’s vehicle or even property with your vehicle.

Bodily Injury Liability ($25,000/$50,000) – This coverage will pay for the medical related expenses that are a result from a car accident that you cause. The first amount is the most that the insurance company will pay for the expenses of one person. The second amount is the total that the insurance company will pay for each accident, if there are injuries for more than one person.

Uninsured Motorist Property Damage ($25,000/$50,000) – This coverage will pay for your medical related expenses that are a result from a car accident that is caused by someone that does not have insurance. The first amount is the most that the insurance company will pay for the expenses of one person in your vehicle. The second amount is the total that the insurance company will pay for each accident, if there are injuries to multiple people in your vehicle.

Uninsured Motorist Bodily Injury – This is the coverage that your insurance company would pay for any vehicle damages you sustain by a driver that does not have insurance. You will still have to pay a $200 deductible, but in most cases this is less than what you carry for your collision deductible and much less than paying for the damages out of your own pocket.

Washington D.C. License Suspension

If you don’t keep your Washington D.C. car insurance current, you will lose your driver’s license. But in Washington D.C. you can also have your driver’s license suspended for a number of other different things, such as:

• Driving 30 m.p.h. or more over the speed limit.
• Negligent driving that lead to a fatal car accident.
• Being continually convicted of traffic violations
• Failing to appear for a hearing from a traffic violation
• Reckless driving

The above are just a few of the actions that can subject you to an immediate driver’s license suspension. Washington D.C. doesn’t want dangerous drivers on the road in their city, which includes drivers that decide they don’t need to carry Washington D.C. car insurance.

Baltimore is an old city with some very old traffic laws still on the books.

Just like some of its beautiful buildings, there are some pretty old traffic laws still on the books in Baltimore.

Baltimore car insurance requirements have been around for what may seem like a lifetime to most of us. But there are some traffic laws on the books in Baltimore that are even older than the car insurance requirements.

Here are some vintage Baltimore traffic laws just as they are written in the Baltimore City Codes:

Ҥ 26-1. Unauthorized riding.

(a) Prohibited conduct; penalty.

It shall not be lawful for any unauthorized person or persons to ride on locomotives, tenders, or

cars of steam railroads, street cars, stages, omnibuses, hacks, or any licensed conveyance for

passengers or merchandise on any street, lane, or alley opened for public use within the limits of

the City of Baltimore under a penalty of $1 for each offense, to be recovered as other fines and

penalties are now recoverable.

(b) Exception.

Provided, however, that the provisions of this section shall not apply to newboys {sic} pursuing

their vocation.

(City Code, 1893, art. 8, §26; 1927, art. 4, §114; 1950, art. 38, §91; 1966, art. 31, §125; 1976/83, art.31, §85.) (Ord. 1879-004.)”

GENERAL PENALTIES FOR VIOLATIONS

§ 37-1. General fine.

Any person violating any provision or regulation of this article shall be deemed guilty of a

misdemeanor and, upon conviction thereof, shall be fined a sum not exceeding $100 for each and

every offense, except where another penalty is specified.

(City Code, 1927, art. 4, §61; 1950, art. 38, §78; 1966, art. 31, §94; 1976/83, art. 31, §70.)

(Ord. 08-139; Ord. 74-768.)

Ҥ 16-12. Vehicles on sidewalk.

(a) Prohibited conduct.

No person may back, draw, move, propel, drive, or operate any motor vehicle of any kind or any

vehicle of any kind that is drawn by a horse or mule on or over any sidewalk or curbing of the

City unless:

(1) the curbing is lowered to grade and the sidewalk so paved and arranged as to allow the

passage of these vehicles; or

(2) the person has special permission to do so from the Director of Public Works.

(b) Enforcement by citation.

(1) In addition to any other civil or criminal remedy or enforcement procedure, this section may

be enforced by issuance of:

(i) an environmental citation under City Code Article 1, Subtitle 40 {“Environmental

Control Board”}; or

(ii) a civil citation under City Code Article 1, Subtitle 41 {“Civil Citations”}.

(2) The issuance of a citation to enforce this section does not preclude pursuing any other civil

or criminal remedy or enforcement action authorized by law.

(c) Penalties.

Any person who violates any provision of this section is guilty of a misdemeanor, and on

conviction, is subject to a fine of not more than $100 for each offense.

(City Code, 1893, art. 48, §138; 1927, art. 32, §52; 1950, art. 24, §96; 1966, art. 19, §135; 1976/83,

art. 19, §160.) (Ord. 1885-033; Ord. 26-756; Ord. 45-267; Ord. 77-573; Ord. 99-548.)”

I love it when we find vintage stuff like this. Most of these laws on the books are still valid today, but I wonder if some of the penalties above are still being enforced in the same exact amount by Baltimore courts.

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.