Auto Accidents – State Insurance Law

Auto Accidents – State Insurance Law miniature cars resting on papers in a court room showing that these papers are about auto insurance and auto accident laws

One of the most common personal injury claims comes from car accidents. The most well-known driving proverb is to drive for yourself and others, but that sometimes isn’t enough to avoid other drivers who aren’t as considerate. It is important to not only know the rules of the road but also the state insurance law for when the unfortunate happens. This knowledge can pertain to lawsuits and the coverage that you have on your car that protects you from paying for damages and injuries out of pocket. 

Statute of Limitations

Like with the personal injury statute of limitations, insurance laws vary from state to state. “Car insurance is required in almost all states. Known as a mandatory minimum, drivers must purchase and maintain a certain level of car insurance from an insurance company in case of an accident or injury to another person or property,” (FindLaw). Even if you happen to reside in a state that does not mandate that you buy insurance for your car, you must be able to show that you have a history of financial reliability. 

A basic state insurance law requirement is “expressed like this 25/50/25 ($25,000/$50,000/$25,000), with the numbers corresponding to the individuals: 1. Personal injury damages, 2. All personal injury damages for the particular accident, and 3. All property damages for the one accident,” (FindLaw). This shows how much and exactly what a basic insurance plan should cover in case of an accident. Each state, however, will have differing requirement rates. For instance, the state of Alaska has a 50/100/25 basic rate while the state of Texas has a 30/60/25 basic rate.

Basic Coverage

The beneficial part of finding out the basic coverage rates for your state is that you can always buy an insurance plan that covers more than what you need to further protect yourself when faced with the possibility of having to pay to fix a damaged car (no matter if it is yours or the other driver), personal injuries, etc. Part of being proactive is also knowing what to do if you are involved in an accident. 

Always contact the authorities before interacting with the other driver. When the police arrive, tell them your side of what happened to keep on record. Also, use this opportunity to get the information of the other driver. Of course, go to the hospital if need be to tend to any seen and unseen injuries.

When you are of sound mind, contact your insurance company to see what is covered and to find out about any claims that you can file. But, the best way that you can be proactive is to be a safe driver. Never go over the speed limit, always signal before changing lanes, pay attention when you pull up to an intersection (even if there is a light), be mindful when driving near schools and watch for any children that might be nearby, watch for other vehicles on the road, and never drive too close behind a car. 

Call an Attorney

Don’t be fooled into thinking that the defendant will not fight to dispel their fault and try to get you to pay financially as well as physically for their negligence. Having the legal insight an experienced attorney can provide is essential to a successful outcome. 

Myrtle Beach Auto Accident Law Firm

Call the legal team at Morris Law Accident Injury Lawyers in the Myrtle Beach area to assist you when you’ve suffered injuries due to a negligent driver. You can reach us at (843) 232-0944 or online


What Our Clients Say

Thank you so much for your advice! I highly recommend him! Mr. Morris was extremely helpful with helping me understand the situation.
What seemed very confusing to me he actually broke everything down so I could understand what everything meant. Thank you so much for your advice! I highly recommend him!

Crissy Blumer

I would highly recommend Morris Law Accident Injury Lawyers firm for any legal needs. I chose Morris Law Accident Injury Lawyers to represent me after a serious MVA. Jeff and Spencer worked hard to provide the best service by addressing all of our needs and concerns within a timely, professional manner. They were so friendly and alleviated all of the stress of our medical bills and legal issues. A 5 star rating is well deserved and I would use them in the future if needed!

Savannah Crosby

I highly recommend Jeff Morris and his team. They took really good care of me after my car accident.

Ashley Wright

I would absolutely recommend Morris Law Accident Injury Lawyers. He and his staff took great care of me with my MVA case.

Kristen Danielle West

They are the best. Helped me with a car accident case and i came out on top. The way they showed how much they cared for me and not just about the $$$ was all i needed. JEFF MORRIS AND ASSOCIATES ROCK

Charrise Parker

When I tell you I had a great team, I mean I had a GREAT team!! Mr. Morris & Spencer did far better than I could have ever expected handling my MVA. The effort that was required from me was extremely minimal. I literally paid nothing upfront and they were worth every penny they collected from my settlements! If you’re in the area, check them out; at least meet with them and give them a chance to hear you out. They’re worth it!!

Marie Batey

I highly recommend Jeff Morris. Him and his team took really good care of me after my car accident. He was very informative of the process and answered all my questions. The whole team is great!

Ashley Killough

Schedule A Free Case Consultation

At Morris Law Accident Injury Lawyers, we have provided compassionate and aggressive counsel to personal injury victims in Horry County, Aiken County, and throughout South Carolina since 2016. We are available 24/7/365 days of the year. Reach out and get your case evaluated at no cost.