Hi there, it’s Dan Burghardt from Dan Burghardt Insurance. As the president of Dan Burghardt Insurance Agency, an insurance provider, it’s my job to make sure you’re well-informed about your liability coverage, particularly when you’re traveling outside your home state. It’s an exciting time to hit the open road, explore new places and create cherished memories but here’s what you should know.

You see, liability insurance is there to protect your pocketbook if you’re at fault in an accident, covering the costs of any injuries or property damage you cause. Most vehicle and property insurance policies include liability coverage as standard, often referred to as auto liability coverage. Each state you drive through has its own minimum limit requirements for this coverage.

The interesting thing is that your liability limits can change depending on where an accident happens. Suppose you carry Louisiana’s limits of 15/30/25, but you have an accident in Texas. In that case, your coverage automatically increases to match Texas’ minimum coverage of 30/60/25. That’s because your insurance adjusts to provide the highest limit allowed within the state where the accident occurs.

Asking how much liability coverage you should carry? As a rule of thumb, aim for a limit that matches or exceeds your total net worth. This ensures that your assets are well-protected if you’re found responsible for causing harm. You can learn more about selecting the right liability coverage limits for vehicle or property insurance by reaching out to one of our specialists. We’re here to provide all the insurance advice you’ll ever need. Trust me, WE KNOW INSURANCE BETTER THAN ANYONE!

Now, even though insurance carriers won’t sell you a policy with less coverage than the state-mandated minimum, it’s always a good idea to review your state’s minimum coverage requirements. And remember, you can purchase more coverage than required for added financial protection. Most insurance professionals recommend getting quotes for multiple coverage levels before deciding on your insurance plan.

Whether you’re traveling or planning to relocate to another state, to help you stay informed  we’ve put together a handy table of the minimum car insurance requirements in all 50 states and Washington, D.C., which you can find on our website. So, before you pack the car and set the GPS, make sure you’re familiar with the insurance requirements for each state you plan to visit.

You’re welcome give us a call, visit our auto insurance page, or drop by one of our six locations throughout the city. We’ve recently opened a new location on the North Shore too!

For those seeking further information about Minimum Car Insurance Requirements by State, check here; https://www.nerdwallet.com/article/insurance/minimum-car-insurance-requirements

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