Automobile Insurance Rules - Will You Get Covered?

Automobile Insurance Rules - Will You Get Covered?
Automobile insurance rules cover a wide range of situations and aspects of insurance and often differ from state to state, as insurance laws are different across the country. Automobile insurance rules concerning international borders are important to understand. Uninsured and underinsured motorist coverage is another area in which automobile insurance rules vary significantly from state to state. Uninsured motorist bodily injury coverage is an optional coverage one can elect to have on their policy which pays for their medical bills when they are hit by a driver who has no insurance coverage. Some states, such as Texas, allow insurance companies to offer uninsured motorist property damage coverage in addition to the uninsured motorist bodily injury. The property damage coverage will pay to fix one's car if damaged by a driver who has no insurance.
When it comes to accidents, automobile insurance rules are usually consistent from state to state with one exception. Accidents in which one driver strikes the other from the rear almost always result in the fault being placed on the driver who strikes the other from the rear. If one is applying for insurance, he or she will pay a higher rate if he or she has no existing coverage. In other words, insurance companies charge people with gaps in their coverage higher rates than people who have no gaps, also known as "continuous coverage."