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What two states that do not require liability insurance?

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Answered 2012-05-31 16:26:35

Auto insurance coverages fall into some broad categories. They are, in general, Medical Payments, Collision, Comprehensive, Liability (Bodily Injury and Property Damage), Uninsured/Underinsured Motorist, Rental Car, and, if you live in a no-fault state, Personal Injury Protection (PIP).

BODILY INJURY LIABILTY INSURANCE. All states require bodily injury liability insurance, except for Florida (a no-fault state) and New Hampshire. As of June 1, 2010, Wisconsin now also requires bodily injury liability insurance.

PROPERTY DAMAGE LIABILITY INSURANCE. Property damage liability coverage addresses the costs of damages to the other driver's vehicle or property should you be involved and found at-fault for an auto accident. Commonly, property damage liability insurance also covers the damage caused by other authorized drivers of your vehicle. Currently, all states require property damage liability insurance.

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New Hampshire and Wisconsin are the only two states in the US that do not require that you have some type of liability insurance. However, this doesn't mean that you don't have to pay if you are in an auto accident. Yes it is. Every state in the union has as least some liability insurance requirement. Here's a list: http://personalinsure.about.com/cs/vehicleratings/a/blautominimum.htm (scroll down a bit).


Bodily injury liability and property damage liability.




Coverage that is provided when purchasing standard car insurance are liability coverage and the legal right to drive. There are two liability coverages: bodily injury and property damage liability.


"General insurance" is the umbrella term used by the insurance industry to describe all policies other than life insurance policies. This includes various types of insurance for individuals as well business policies. The two most common types of general insurance for individuals are automobile insurance and homeowners insurance, both of which can include property and casualty coverage. The two most common types of general insurance available for businesses are commercial auto liability and commercial general liability. Other commercial general insurance products include premise liability, professional liability, product liability and operations liability. An increasingly popular commercial product is business interruption insurance that provides the business owner with income should a disaster fall that is covered by other parts of his or her policy.


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Contractors general liability insurance is based on one of two things, total receipts or payroll and cost of subcontractors. Contractors general liability insurance covers a company if their employees get hurt on the job or cause damage to a property while working.


Technically, there is no difference between the two, besides the fact that many of the public and product liability risks are often covered together under a general liability policy. These risks may include bodily injury or property damage caused by direct or indirect actions of the insured. You can read more about public liability insurance on the Bizcover website in related links


No,, Liability insurance is the minimum financial responsibility requirement in most states. Liability only is the cheapest way to go on your premiums but it only covers damage we do to another person or vehicle.In order to cover a stolen vehicle you would have needed to purchase comprehensive coverage on your vehicle policy.


Companies that offer cheap liability car insurance are Nationwide and GEICO. There are lots of other good brands out there but these are among two of the most trustworthy and award winning car insurance companies in the market.


If the parties are small events at your home then your homeowners insurance should be sufficent to cover any liability concerns. If it is some big event you can purchase special event coverage to provide liability insurance for the event. These are suprisingly inexpensive for one or two day events.


Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boatinsurance policies.


The insurance market is full of employers liability insurance providers. To save time, consider using two or more comparison engines to compare the various insurances offered side by side.


AnswerYep, You have to have insurance for everything.To be more specific, you need two types of insurance for a Home Watch business. You need general liability and you need Professional Liability, also called Errors and Omissions Insurance.General Liability protects you while inside the home from pre-existing conditions and general risks such as a toilet that backs up while you are in the house.Professional Liability is in case you miss something that you should have seen as a Home Watch Professional. Roof leaks that are clearly visible but that you missed would be covered by this 'errors and omissions' insurance.The insurance is not easy to find.


Yes. There are basically two ways to do this: You can talk to an insurance company and get insurance on yourself as a driver to cover your personal liability when driving. This may not cover damage to the car you're driving, but will cover damage to other people and their property (and that's the kind of insurance states that require insurance care about). The other option would be, as soon as you know what the make/model/VIN of the car you're going to be getting is, to call an insurance company and get it covered immediately. If you already have insurance on some other vehicle, they can just add the new one to your policy. If not it may be a little more complicated ... but not much.


The first major duty that liability insurance for small business provides is to defend the small business when it is, for example, sued by another party. The second duty for liability insurance for small business is to pay all claims the insurer is liable for as well as to settle any clear cut cases submitted to insurer immediately.


Only human beings are covered by disability insurance. If you want to insure cars, you require automobile insurance.


For the two states I checked, they need liability insurance. I would guess they probably do in other states, as well. Absolutely. Visit www.servicemagic.com to find a list of qualified contractors near you. Just enter your zip code!


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In Florida, there are two laws to consider when purchasing liability insurance. First is the Financial Responsibility Law and the second is the No Fault Law. You must meet state minimum requirements for both laws. Compare quotes for best prices.


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Depends on what basis you are working on a particular contract. Two types of Subcontractor Labour only - these are usually employed directly by the company and paid directly by the company providing labour only and do not require their own insurance. Bona Fide - these are usually self employed and are skilled tradesmen i.e plumber, roofer and use their own materials/tools etc and are required to have insurance to the same level as the company i.e £5m Public Liability



This is to make it easier to identify the vehicle from the front or the rear. Many states with high population or high crime will require two license plates.



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