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  • What kind of auto insurance do I need?
  • July 8, 2015
  • What is a no-fault state?
    Some states have what is called “no fault laws.” If you live in one of those states, your own car insurance will reimburse you after an accident – regardless of who was at fault. According to III, there are 12 states and Puerto Rico that have no-fault laws. The states are Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.

    Things to consider when shopping for a car insurance policy:

    Get a referral. Insurance companies survive on referrals. Ask people’s opinions of which company or agent is best to work with, suggested Worters.

    Liability coverage. When purchasing a policy, you might want to get a policy that has the same level of bodily injury liability per person and property liability coverage, said Knauf.

    Maintain a good credit rating. Insurance companies use credit ratings to determine if they should insure you and how much you should pay for a policy. If you keep a good credit rating, this will help you get an affordable price for auto insurance.

    Even so, Knauf said that when shopping for a policy, you should not be afraid of your credit rating.

    “If someone has really bad credit due to an unusual circumstance and a one time bad thing has happened such as divorce or sudden job loss, they should ask the agent or insurance company if they will take that into account,” Knauf said. “Insurers will make an exception for people who have extraordinary circumstances.”

    Does your policy cover rentals? If you only have one car, you might want to make sure a car rental is covered. If you have to pay for a rental out of pocket, it can be pricey.

    Remember, you have a 48-hour window to file a claim after an accident. This is the car insurance rule of thumb, so it is important to call your agent right after an accident and not wait.

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