American Auto Insurance - Is American Auto Insurance the Same as Coverage in Ireland?

The Truth About American Auto Insurance

Q: I am relocating to the United States from Ireland and trying to get all my ducks in a row before I go. Is American auto insurance done the same way as it is in Ireland? Thanks!

A: American auto insurance is governed at the state level so requirements will vary depending on the state in which you are relocating.

Every state except for New Hampshire and Virginia require a driver to carry some sort of insurance policy. In New Hampshire nothing is required of the driver and in Virginia if a driver chooses not to carry auto insurance then they must pay $500 to the state each year.

For the rest of the sates the minimum amount of insurance required varies considerably. In many states there is what is known as no fault insurance. this means the insurance companies are required to pay out in the event of accident regardless of who was at fault.

Even in no fault states, however, the person who caused the accident will see a significant increase in their insurance premiums.

In most states a proof of insurance is required to register a vehicle. This can be arranged by the insurance company you choose to do business with. We advise contacting between three to five companies to request a quote before making a decision as prices and coverage levels will vary.

Many companies will be happy to provide you a quote before you move and we recommend calling them directly.

Good luck in your move and we hope everything works out well for you in your search for the great American auto insurance company. We highly recommend that you shop around for car insurance online before making a decision on a provider. One of the easiest ways to save money on vehicle insurance coverage is by obtaining multiple quotes, comparing them, and choosing the one that best suits your needs at the cheapest price.

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