If you live in the United States, chances are car insurance is just a regular part of life. As much as we loathe paying our premiums, most drivers know that it’s a necessity that protects ourselves, our vehicles, and other drivers on the road. This is how it is for most Americans; we purchase car insurance, pay for it regularly, and hope that we never have to use it. However, not all states require that its citizens carry insurance on their vehicles.
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It’s true; not all the 50 states require that licensed drivers carry car insurance. However, this does not mean that they do not have fiscal responsibility when operating a vehicle on the road. While not all states have mandatory auto insurance, 48 of the 50 states do. New Hampshire and Wisconsin are the only two states that do not require its residents have auto insurance, as of 2010.
States that Don’t Require Car Insurance: New Hampshire
So, what states don’t need car insurance? The only states that do not require mandatory car insurance as of 2010 and for its drivers are New Hampshire and Wisconsin. However, the unofficial Department of Motor Vehicles guide writes that it depends on the circumstances as to whether or not you actually need it.
For any driver, not having coverage remains risky.
For example if the accident you become involved in involve drugs or alcohol, your case may be reviewed per requirements. In such a case, the state of New Hampshire may suspend, or even revoke, your driver’s license should you not be able to cover the fiscal damages of the other party that is injured. Cleary, getting a DUI conviction can cost more than increased insurance rates.
States that Don’t Require Car Insurance: Wisconsin
The laws that govern the state of Wisconsin are a paradox. While there is no mandatory law that requires its residents purchase auto insurance, citizens of the state have to be able to prove their ability to pay for damages in the event of an auto accident if they are the ones at fault. The unofficial Department of Motor Vehicles guide says that this can be done in a number of ways.
- First the motorist can carry liability insurance on the vehicle.
- Second they can put a cash deposit of $60,000 or more down with the Wisconsin Department of Transportation.
- Finally they can file a bond with the Wisconsin Department of Transportation as well.
If a motorist happens to get stopped in Wisconsin by a police officer in the do not have insurance, an independent investigation will be led by the Wisconsin Department of Transportation and the case will be put under review.
States that Don’t Require Car Insurance: Other Laws
Additionally, each of the 50 states has different requirements concerning car insurance and the minimum requirements necessary to meet its laws.
Each and every state has fiscal responsibility laws that state that you must be able to pay for any liabilities that you may cause an accident.
Furthermore, it is also a requirement in most states that each driver have bodily injury liability insurance.
In various states, licensed drivers may not even register a vehicle without first showing proof that they do indeed have liability insurance. Other states, however, request that its residents need only proof of insurance in the event of an accident or traffic violation. Currently only 3 to 5 states do not require its drivers purchase and hold liability insurance, the laws in each state change annually.
Meanwhile, every state sets forth the requirement of either purchasing insurance or proof that you can meet the financial responsibility requirement either through a bond or some other method which demonstrates that you can pay for damages should you cause such damages to another person or to someone else’s property or automobile.
New State Requirements
The laws and each state change or renewal on an annual basis. Therefore, some states did not have requirements for insurance in the past now do so. Wisconsin and New Hampshire have the fewest requirements.
Driving a vehicle is a privilege. With it come many responsibilities to ensure that all drivers on the road are subject to safety and welfare laws. Requiring that motorists purchase car insurance for their vehicles is one of the ways states help drivers with this task. This insurance pays for great many things including personal injury and damage to vehicles for victims of car accidents. Not all states require insurance on their vehicles; however each state’s laws do change from year to year.
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