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The Tort system differs from state to state and you should check with your state insurance regulator. For a list of links to all 50 state insurance regulators websites visit farmers i nsurance's State Regulators page.In terms of auto insurance there are minimum state requirements for Indiana. Indiana uses a Tort system, which means an individual has to be at fault if there is an auto accident. That person at fault and their insurance carrier are responsible for all the damages as a result of the accidentYou can also get Uninsured/Underinsured farmers i nsurance coverage for any injury that is caused by a driver that does not have auto insurance. This type of coverage is optional as Indiana state law does not require this coverage but you can buy this coverage for additional protection.It is the expectation that 2007 will see the first decrease in auto insurance rates since 1999. You can expect to see a .5% to 1% decrease in rates from 2006 alone. Websites such as farmers i nsurance, through technology, have brought about this change as they have brought the competition directly to the consumer.To pay for "reasonable and necessary" medical expenses for both you and your passengers there is Personal Injury Protection (PIP) that can be added to your coverage farmers i nsurance. PIP is not a requirement under Illinois state law but some insurance carriers offer PIP coverage..
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The Tort system differs from state to state and you should check with your state insurance regulator. For a list of links to all 50 state insurance regulators websites visit farmers i nsurance's State Regulators page.
In terms of auto insurance there are minimum state requirements for Indiana. Indiana uses a Tort system, which means an individual has to be at fault if there is an auto accident. That person at fault and their insurance carrier are responsible for all the damages as a result of the accident
You can also get Uninsured/Underinsured farmers i nsurance coverage for any injury that is caused by a driver that does not have auto insurance. This type of coverage is optional as Indiana state law does not require this coverage but you can buy this coverage for additional protection.
It is the expectation that 2007 will see the first decrease in auto insurance rates since 1999. You can expect to see a .5% to 1% decrease in rates from 2006 alone. Websites such as farmers i nsurance, through technology, have brought about this change as they have brought the competition directly to the consumer.
To pay for "reasonable and necessary" medical expenses for both you and your passengers there is Personal Injury Protection (PIP) that can be added to your coverage farmers i nsurance. PIP is not a requirement under Illinois state law but some insurance carriers offer PIP coverage..