Liability Auto Insurance

Liability auto insurance is required in all states across the US if a driver plans on utilizing his or her driving privilege on the open roads of the nation. This coverage option is primarily concerned with protecting the other driver in case of an accident. Liability car insurance can cover the other drivers repair costs, medical expenses, and mental anguish. Drivers that wish to register their car with the state must usually present some type of policy before registration is completed. All 50 states have different requirements for policies. Some require proof at registration, while others only require proof in the case of an accident.

There are minimum coverage amounts to drive legally; however, each amount is determined by each state's Department of Transportation. Some states have no-fault laws, meaning that the liability car insurance policy must pay medical bills for injuries regardless of who caused the accident. These laws were developed to reduce fraud. Liability auto insurance is not the only cost associated with a policy. Other factors, including credit and driving history are taken into consideration. Another factor is the age and gender of the driver. Typically, males, especially in their teenage years, will have to pay more than women.

The vehicle chosen for coverage has a substantial percentage in determining the rate that is received. The NAIC or National Association of Insurance Commissioners states that 56.5% of combined average premiums paid nationwide are for comprehensive and collision insurance, not necessarily liability car insurance. Some states require a minimum collision and comprehensive car policy. This type of policy covers the insured driver, unlike liability auto insurance which covers the other driver. Liability must be obtained if a driver intends to drive in any state legally.

God ordained those that hold leadership and lawmaking positions in the country and He asks us to obey and submit to those laws and those leaders. "Let every soul be subject unto the higher powers. For there is no power but of God: the powers that be are ordained of God." (Romans 13:1). Christians often wonder if obtaining liability auto insurance shows a lack of faith in God's ability to protect and provide for them. While the Bible does not specifically address whether or not to purchase coverage of any kind, especially liability car insurance, it does address the issue of obeying the laws that were created by the nation's leaders.