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.

Sometimes rate increases have nothing to do with you personally.

When there is a rate increase on your insurance premium there is a reason for it, even if you don’t think there is. Usually these increased insurance premiums are the result of a car accident or a ticket you may have had in the last coverage period.

Other times, increased insurance premiums are the result of things completely out of your control. For example, rate increases can happen because the insurance company needs to bring in more money to cover increased employee costs. Other times rate increases happen because the insurance company is going under and they are trying everything they can to stay in business.

If you have seen increased insurance premiums and nothing on your side has changed, you need to contact your insurance company or insurance agent to find out why. It could just be because the company decided on a rate increase to bring in more money; which may be a sign to you that it is time to start shopping around for other insurance coverage.

Charlotte car insurance and using common sense are your two best assets while driving in Charlotte.

If you want to keep your Charlotte car insurance, leave the speeding to the race track.

Charlotte recently had the distinction of having their mayor Anthony Foxx be selected by President Obama as the next possible transportation secretary. Even though this is quite a distinction for the city, it has no bearing on the current traffic and insurance laws for drivers in Charlotte. Drivers in Charlotte still need to carry the minimum required insurance coverage and they still need to use common sense while behind the wheel.

Charlotte Traffic Laws

You would think that most traffic laws are common sense to most motorists, but there is always that select group of drivers that have a different definition of what common sense is. So just to be clear to the whole class, here are some Charlotte traffic laws to keep in mind while driving through this part of North Carolina:

Don’t pass a car that is stopped to allow a pedestrian to cross the street

“The driver of a vehicle emerging from or entering an alley, building entrance, private road or driveway shall yield the right-of-way to any pedestrian, or person riding a bicycle, approaching on any sidewalk or walkway extending across such alley, building entrance, road or driveway.” (Charlotte Department of Transportation)

“It shall be unlawful for any person riding upon any bicycle, motorcycle, coaster, sled, roller skates, or any toy vehicle to attach such or himself to any streetcar or moving vehicle upon any roadway.” (Charlotte City Ordinance 14-4)

Beware the speeding cameras

Don’t mess with the parking meters and don’t try to use a fake coin substitute in them either

Required Charlotte Car Insurance

The car insurance requirements in the city of Charlotte are the same as they are in the entire state of North Carolina. Both liability coverage and uninsured motorist/underinsured motorist coverages are required to be able to drive. However, if a driver has just the basic liability limits on their vehicle then they only have to carry uninsured motorist coverage. But, if a driver carries more than the minimum required liability limits, then they have to carry both uninsured motorist and underinsured motorist coverages.

The minimum liability coverage you can legally drive with in North Carolina is:

• $30,000 in bodily injury liability coverage or one person
• $60,000 in bodily injury liability coverage total for the entire accident
• $25,000 for liability coverage to pay for damages you may cause to another person’s property

If you are confused as to what is required for Charlotte car insurance coverage, your agent will walk you through the whole procedure at the time you purchase your policy.