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Tort States

Tort states are those in the U.S. that operate on a tort based car insurance system. Tort by definition is any injury to another individual or to a piece of property that can be compensated under the terms of the law. The injury or damage done can be done either accidentally (willfully) or on purpose (negligently). There are different tort categories that include negligence, gross negligence, and intentional wrongdoing.

Tort auto insurance law in some form is in use in about three quarters of the states in the U.S. A state can be either termed a tort state or a no fault coverage state, although in some cases states operate on some type of hybrid system. Using the tort system for car insurance, someone has to be found liable for an accident. That person is responsible for paying the damages. There are variants of tort that take into account the possibility of shared blame, but for a general discussion it is useful to stick with a broad definition.

Auto Insurance Tort Laws

Many states across the country are tort states or have some element of tort law in their car insurance rules and regulations. But different states interpret and apply these principles in different ways, so it isn't as if there is one single right way to administer tort law in car insurance. Often the variances just have to do with what each state legislature have come up with to deal with these ideas and find appropriate use for them.

If your state uses the tort system, you will need to know the specifics of how it works where you live and how it impacts your policy. The simplest way in most cases to get this information and make sure it is accurate is to get with a state's department of insurance and find out the specifics on how that state's tort system is designed to work. Some areas of the country have options for drivers. Full and limited torts are both available in some places; again, drivers need to know the differences in their home states in order to make the right choices.

Designing a Tort Auto Policy

In tort or fault based states, drivers have to have certain elements in their auto policies. These elements can vary according to the local laws, so it is important for drivers to check out the regulations where they live. However, liability is a common element tying them together.

Drivers virtually everywhere have to have liability auto insurance. This type of coverage protects you financially when you get into an at fault accident. It provides payment for the medical and property damage expenses of the other driver up to the policy limits. Liability coverage may not seem all that glamorous, especially since it does not even provide coverage for our own cars. But it sure comes in handy in a pinch.

Free Quotes on Tort Insurance

If you live in a tort state, you need to have a car insurance plan that fulfills legal requirements in that state. Get quotes on tort coverage and save money on your premium when you shop online. Every state has its own special requirements as well as optional areas that drivers could add to their policies. Get with local insurers serving your area and gather some prices for coverage.

Use the free quote form at the top of this page to get started. Compare prices from local providers and select coverage as well. Find the best deals on insurance in tort states and build a policy that will save you money on the cost of coverage.