State Requirements

Browse our articles about state requirements

June 3, 2026

Who Pays the Medical Bills After a Car Accident?

PIP, MedPay, health insurance and the at-fault driver's liability coverage all touch the same bills. Here is the order they usually pay in and why it varies by state.

Windshield and Glass Coverage: Repairs, Deductibles and ADAS

Glass claims sit under comprehensive coverage, three states waive the deductible, and modern windshields often need sensor recalibration. Here is how it works.

Driving in Canada and Mexico: What Your Policy Does Abroad

A US auto policy generally follows you into Canada. Mexico does not recognize it, and a Mexican liability policy is required. Here is what to arrange before you cross.

ATVs, UTVs, Golf Carts and Snowmobiles: Who Covers Them

Off-road vehicles fall in a gap between auto and home policies, and where they sit depends on where you ride. Here is how coverage is usually arranged.

Excluding a Driver From Your Auto Policy: How It Works

A named driver exclusion removes one person from coverage entirely. Here is why insurers ask for one, what happens if that person drives, and what the alternatives are.

Moving to a New State: What Changes for Your Insurance

Insurance is regulated state by state, so a move changes your required coverages, your policy forms and sometimes your insurer. Here is the sequence.

Motorcycle Insurance: Where It Differs From a Car Policy

A motorcycle policy uses the same coverage names as an auto policy and behaves differently in several places, starting with passengers and custom equipment.

Choosing a Repair Shop and the Parts They Use

Who picks the body shop, what a direct repair program is, and how original equipment, aftermarket and used parts get chosen after a collision claim.

Tickets, Accidents and How Long They Follow Your Rate

Your driving record and your insurance record are two different things with two different clocks. Here is what each one holds and how long it matters.

Checking an Insurer: Complaint Indexes and Ratings

Before buying a policy you can check an insurer's licensing, complaint record and financial condition for free. Here is where to look and how to read it.

Admitted vs Surplus Lines Carriers, and Guaranty Funds

Not every insurer is licensed in your state, and the difference determines what happens if it fails. Here is what admitted and surplus lines mean for you.

Earthquake Insurance: Separate Policy, Separate Deductible

Earthquake damage is excluded from standard home policies. Separate coverage works differently, starting with a percentage deductible and a 72-hour clause.

Cancellation, Non-Renewal and Why a Coverage Lapse Matters

Cancellation and non-renewal are different things with different rules. Here are your notice rights, and what a gap in coverage sets in motion.

Wildfire Risk, Defensible Space and State FAIR Plans

Fire is covered by a standard home policy. The harder questions are availability and rating, what mitigation actually changes, and what a FAIR plan is.

No-Fault vs At-Fault States: How PIP Changes a Claim

The four systems states use for auto injury claims, what a tort threshold is, and how living in a no-fault state changes who pays your medical bills.

This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.