Reader’s Question:

While I was in my mom’s car, she was talking about renewing her auto car insurance. Why should she? Is it, like, required or something?

Mary

Brooklyn, NY

Auto car insurance is important because not only will it protect you and your possessions, but it is mandatory in most states here in America, as well. All states require financial responsibility when driving a registered car or any type of vehicle. This is fulfilled by following the auto car insurance requirement and maintaining at least the state’s minimum insurance which is typically liability insurance. One could even get higher coverage if one so desires.

States differ in their mandatory requirements. In your state, there is a minimum amount of liability insurance of $25,000 for Bodily Injury to one person, $50,000 for Bodily Injury to all persons, and $10,000 for Property Damage in any one accident. This is usually referred to as 25/50/10 coverage. A ‘no-fault” coverage of $50,000 is also required in New York (unlike in other states where this coverage is not mandatory).

It is then one’s responsibility to have himself protected against events such as accidents, thefts and the like, which I hope you do not encounter in the future. When the time has come for your mother to renew her auto car insurance, take note of it and remind her to do so.