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00:00Hello dear friends, how are you? Today we are explained car insurance in
00:05different states. Here we are examples of different states. There are some changes
00:11in one or two states. We explained one example of Florida and another example
00:20of California that is the some changes in Florida. Yes, let's start for similar
00:29rules in other states. If you have any car insurance or not and what is the
00:36change and why it is the requirement of this laws and insurance policies, their
00:45need, availability, discount and more. Okay, let's start. You are the requirement of
00:53minimum car insurance. Car insurance is varying other states as you know as I
01:02explained later. Liabilities about the car insurance covers but there are
01:09number of other coverage that may or may not be required in specific states. Car
01:16insurance coverage that may be required in your state included as you know that
01:24liabilities insurance. What are the liabilities? Almost all states require a
01:29minimum amount of liability insurance. This coverage help pay for any
01:36injuries or damages you cause in a car accident including those of other driver
01:45and their passengers. Uninsured and underinsured motorist UM or UIM coverage
01:54help cover the cost of injuries to you and your passengers as well as damage to
02:01your car and other property. If you are hit by a driver with a little or no
02:09insurance about half of all states require UM and UIM coverage and so many
02:18only require if you to purchase coverage or bodily injuries. Personal injury
02:26protection PIP coverage medical expenses for you insured drivers and their
02:34passengers regardless in a fault. It can also cover lost wages or other benefits
02:43not covered by health insurance. You will typically only need this coverage in no
02:51fault state but a few at fault state requires it well. Medical payment
02:59coverage this coverage goes towards medical expenses due to injuries for
03:06from a car accident. Medical payment coverage this coverage goes towards
03:13medical expenses due to injuries from a car accident. It covers you your family
03:20or your passengers. It doesn't cover lost wages or any additional benefits
03:28Maine is the only state Maine is the only state that requires medical
03:40payment coverage. Comprehensive and conclusion. Comprehensive and collision
03:49are also common type of car insurance coverage though no state requires them.
03:56These optional coverage pay for damages to your car due to fire, theft, vandalism,
04:05animal strike, acts for nature, glass, breakage and collisions okay. Let's move
04:14to at fault versus no fault state. Most state are considered at fault states
04:22meaning the driver who causes an accident is responsible for covering
04:29the other drivers injuries. No fault states allow drivers to opt out of their
04:36PIP coverage requirement. State that requires insurance. Car insurance is
04:43mandatory in all every state. State minimums and coverages type vary but
04:52nearly all state that mandate insurance require liabilities coverage for
04:58property damages and bodily injury. The sole exception is Florida which only
05:07requires liabilities coverages for property damages in addition to PIP
05:13coverage. State that don't require car insurance. New Hampshire is only state
05:21that doesn't mandate car insurance however drivers who choose not to buy a
05:28car insurance must prove they have sufficient fund to meet the state
05:34financial responsible requirements. In the event they cause an accident failure
05:43to meet the state's requirement can result in the suspension of their
05:50license and registration. In Virginia car insurance is required but drivers
05:55are allowed to opt out of the state's insurance requirements if they pay $500
06:03uninsured motorist fee. Each year this fee doesn't provide coverage. At fault
06:11drivers are still responsible for damages. Okay now we explain why it's
06:17mandatory to have car insurance. The main reason car insurance is mandatory
06:22in all most every state is because of your personal responsibility liability
06:29if you cause an accident by mandating car insurance liabilities insurance
06:38specifically the victims of an accident causes by you can receive financial
06:45relief for injuries and property damages without severely impacting your
06:52own financial well-being that's only why it's important to know how much car
06:58insurance you need. Okay now we explain how to get car insurance in your state
07:05first of all you can go online through website and customize your coverage and
07:14second of all call a representative talk with a licensed representative who can
07:20guide you through the process and the calling number is 1-866-749-7436
07:30and third one is through an agent and you we will provide you the all links
07:37and contact numbers in our explain box description box and now let's move to
07:46Florida and what are the changes and what are the requirements in Florida
07:53when by Florida is different from other states okay let's start when looking for
08:01dependable car insurance Florida all routes led to progressive explore
08:08Florida car insurance requires optional coverage and available discounts we will
08:15help to you get a car insurance code in Florida that best fits in your own
08:22budget what are Florida's minimum auto insurance requirement okay the coverage
08:33but it covers and minimum amount here you can you can quickly wrap up this
08:41description required personal injury protection PIP then that covers your
08:48medical bill lost wages and death benefits or minimum amount is $10,000
08:57required second one is required property damage liabilities damages you cause so
09:06some else vehicle or other properties that is minimum amount $10,000 optional
09:15bodily injuries liabilities medical cost lost wages sickness death and pain
09:23suffering experienced by and the minimum cost is $10,000 per person $20,000 per
09:33accident optional UM and UIM bodily injuries cover custom injuries you do
09:47okay optional UM and UIM bodily injuries coverage
09:55optional UM UIM bodily injuries coverage customer must purchase bill liabilities
10:03to qualify for UM UIM coverages can be rejected if desired injuries and what
10:13are the coverage injuries to you or your passengers caused by a driver with too
10:21little or no insurance and coverage cost is $10,000 per person $20,000 per
10:28accident and this is the main example of Florida and other informations are
10:36same how much a car insurance in Florida and what is the best car insurance in
10:43Florida and how do I lower my car insurance cost in Florida and you can
10:53quickly in our screen and you can take a click screenshot from our list so guys I
11:05hope you are
11:12okay guys now we are explained California car insurance and what is the
11:18difference between Florida and California and other states is one
11:24example taking where coverage body injuries liabilities what is covers
11:31injuries you cause other in by accident and a minimum amount is $15,000 per
11:39person and $30,000 per accident and property damage liabilities damage your
11:46cost of people's property in an accident is $5,000 per accident and some
11:55UM and UIM bodily injuries that means uninsured and underinsured motorist
12:03bodily injury coverage that what is the covers your medical expenses in
12:10uninsured and underinsured causes and the minimum amount is $15,000 per person
12:18and $30,000 per accident note that this coverage can be rejected okay now you
12:27can quickly wrap up this California no fault state if is California not fault
12:35is California no fault state
12:40dear friends is California no fault state no California is an at fault state
12:48which means the party responsible for an accident must cover the injuries of the
12:56other driver and their passengers and now what much is car insurance in
13:03California the average cost of a six-month liability only policy in a
13:10low-cost state like California is $80 per month keep in mind that your rate
13:19varies based on many factors including your zip code driving history coverage
13:27section and number of vehicles on your policy okay now best car insurance
13:37California you can quickly wrap up this policy and long yeah
13:50good year friends now you have a lot of knowledge about car insurance which is
13:56required in your state as we said we will provide you the link of this
14:04description in our YouTube description box please go for it and please and
14:14please go for car insurance which is very required in your state