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Car insurance

When you drive a car or other vehicle, most country or states require that you carry car Insurance.

What is generally required is liability Insurance. Car Insurance requirements vary quite a lot from country to country and state. Insurance cost can be very expensive depending on your age, experience as a driver, accident history, the type of car that you drive, your home base location.

Insurance company also determine rates depending on geographic location. Some areas have a higher accident rate than others, premiums will be higher because the statistical accident risk is higher.
Some insurers will not even cover your car in certain areas, they find the risk too high or they have to many active policies for that area. Insurers want to spread their risks geographically.

No-fault car accident laws

In some countries or states, no-fault car accident laws apply.

What does that mean?

It means that if you have an accident with one or more car driver, each car owner will be compensated buy is own insurer for damage done to his car as long as he his covered by collision insurance.
It usually also covers body injuries, check with your insurance broker.

This considerably reduces the time it takes to be paid and get your car fixed.It also reduces possible legal prosecutions.

Even if you are living in a country or state that has the no-fault insurance law, it is important to make sure that you have liability insurance.

Let's say that you hit a pedestrian and hurt him, you will be covered by your liability car insurance as long that it is an accident. The same goes for damage done to someone's property.