Guides
The state pages tell you what your state requires. These explain why the rules take the shape they do, and where states differ in ways that decide real money.
The One Percentage Point That Decides Your Claim
Across ten states there are four different rules for what your own share of the blame does to your claim — and in one of them, being 1% at fault ends it entirely.
September 15, 2026
Your State's Own Website May Be Telling You the Wrong Number
Six examples where official agency pages, printed handbooks and widely repeated figures describe car insurance rules that no longer exist — or never did.
September 22, 2026
What a Gap in Coverage Actually Costs
A lapse is billed differently in every state — by the day in New York, by the reinstatement in Florida, by a civil penalty in North Carolina, and in Ohio by a fine that does not appear at all.
September 22, 2026
The Crash You Are Required to Report Is Smaller Than You Think
Reporting duties start at $500 in Georgia, $1,000 in six states, $2,000 in Florida for crashes from 1 October 2026, and at no dollar figure at all in Pennsylvania.
September 22, 2026
Two Deadlines, and Sometimes Two Agencies
Every state gives a new resident one deadline for the car and another for the licence — 10 days apart in Florida, 60 in Texas, and none at all in Michigan.
September 15, 2026
No-Fault Does Not Mean Nobody Is at Fault
Three of these ten states are no-fault, one lets you choose, and Michigan lets every driver pick one of six different PIP ceilings — which changes who pays after a crash.
September 15, 2026
The Form Four of These Ten States Do Not Use
An SR-22 is a certificate, not a policy — and in New York, Pennsylvania, North Carolina and Michigan it does not exist at all.
September 15, 2026
Fifteen Thousand Dollars, or Two Hundred and Fifty Thousand
The legal minimum for injuring one person in a crash ranges from $15,000 to $250,000 across ten states — and in Florida there is no bodily injury requirement at all.
September 15, 2026