Fatal car accidents in the U.S., from 2008 to 2015, averaged to 33,000 per year. Non-fatal accidents, on the other hand, numbered to more than two million annually. Under the law, innocent victims in motor vehicle accidents have the right to claim compensation from the driver who are at fault in accidents. To make sure that drivers have the capability to compensate those who they injure and whose property they damage, carrying auto liability insurance has been made compulsory in the whole of the United States (except in the state of New Hampshire where purchasing an auto insurance policy may not be required, but not proving financial capability or the capability to compensate accident victims).
Carrying auto liability insurance is one way Untitled 1 to comply with the Financial Responsibility law. The type of insurance coverage a driver needs to purchase depends on the liability system recognized in the state where he or she resides. Currently, there are 38 states which recognize the “tort” or “fault” liability system, while 12 others recognize the “no-fault” liability system (though car insurance is not required in New Hampshire, the state recommends the tort system for drivers who opt to purchase a policy).
Under the tort or fault system, compensation is paid to the victim by the at-fault driver’s insurance provider. The victim may also decide to file a civil lawsuit against the at-fault driver for further claims. This is the case if the compensation paid by the at-fault driver’s insurance provider does not fully cover all the losses and damages suffered by the victim. Under the “no-fault” system, drivers involved in an accident are compensated by their respective insurance providers regardless of who was at fault in the accident. The 12 states where the “no-fault” liability system is recognized are Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah.
Despite the mandate to carry car liability insurance, the Insurance Research Council (IRC), says that more than 29 million drivers in the U.S. continue to drive without insurance due to the high cost of insurance premiums.
To find a policy that includes all the types of coverage a driver needs, but at a rate that will fit his or her budget, the only way is with help from an independent car insurance firm. An independent car insurance firm, like Insure on the Spot, for example, provides customers with many different free online insurance quotes to help them obtain the coverage they need. Besides helping customers get insured, it also provides customers 24/7 roadside assistance and multiple payment options; it also has bilingual customer service representatives to help customers in all their needs.