The professionals at First Choice Insurance in Fairfield, Ohio take pride in educating their customers. They want to provide more than just auto insurance coverage to everyone who needs it—they also want to provide advisement, because the world of auto insurance can be confusing. In their 30 years of service, the company has seen many good drivers fall victim to their own ignorance regarding insurance law.

One of the most important things to understand is that automobile insurance laws, and fault laws in the case of an accident, can vary wildly depending on the state you are driving in. As a resident of Ohio, you are required to have car insurance that covers Bodily Injury Liability Coverage as well as Property Damage Liability Coverage. However, different states have different insurance requirements. If you are planning a trip out of state, read up on the local laws to make sure you have appropriate coverage.

Likewise, in the case of a traffic collision, the process of establishing fault (or figuring out who is responsible for the collision) can vary from state to state. If you do not have proper insurance coverage, you may automatically be charged as the faulty party. While clearly reckless behavior, like driving while intoxicated, will always result in fault, other aspects of traffic laws are less consistent.

If you get into a collision while violating a local traffic law, you may be charged as the faulty party even if you are unaware that the law exists. For example, in certain states, it is illegal to use a cellphone while driving, even if using a hands-free device. However, other states may be okay with hands-free phones. When in doubt, don't use your cellphone at all when driving. 

Learning driving laws before you travel can save you time, money, and a potential violation on your record. If you have any questions regarding auto insurance quotes, high risk insurance, traffic laws, or SR-22 insurance, call First Choice Insurance at (513) 860-0666.