UIM coverage available to him. Purchase as much UIM coverage as you can.Be Honest A word of caution in dealing with your insurance company: don’t try to fool them on any of the information requested, or by insuring only one driver for each of the family vehicles. We have numerous cases holding that one family member is not covered because he or she was not named as a driver of another family vehicle. Questions of whether the vehicle was “available for the regular use” of any individual are complex issues, and history tells that you will lose.
The same thing pertains to marital status and student status of children. Our recommendation is to be honest in your application and in your relationship with your company. The few dollars you “save” otherwise will never be a bargain should you loose out in the long run. A contract entered into with materially fraudulent representations can be voidable by the company under some circumstances.Table of Insurance Coverage Requirements, by State Most states require that you have liability insurance. This covers you when you’re at fault in an accident.
New Hampshire, South Carolina, Tennessee or Wisconsin, you aren’t required by law (yet) to have liability coverage. For the rest of us, the mandatory coverage varies according to state. In the chart below, minimum liability limits are read as follows (in thousands of dollars): bodily injury liability for one person in an accident/bodily injury liability for all people injured in an accident/property damage liability for one accident.
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