Another interesting law that has been passed by the state of Georgia ensures that in the event an accident involves two federal employees, the amount to be reimbursed can be deducted from the liability insurance up to a certain limit. The party wishing to stack all the insurance coverage must be eligible to do the same. Remember if the deal is to good to be true it probably is. While an exhaustive list of causes would be too lengthy to include in this article, most fall into one of three categories. You don't want to pay too much but you also do not want to have such a cheap policy that you do not have adequate coverage. Insurers, too, understand diminished value and reluctantly admit to its existence when their backs are to the wall. Whether you have your own car insurance policy, or youre on your parents car insurance policy, most car insurance companies will offer you a discount if youve taken the steps to make sure your car is safe. Diminished Value is the term given to the loss in market value a vehicle suffers as a result of an accident and repair. If shops accept money from customers for performing particular labor functions, they have an obligation to perform the work correctly. The uninsured motorist coverage law takes care of such individuals. Insurance related diminished value results when insurance company claims adjusters, either intentionally or unintentionally, omit needed repairs from an accident victims settlement. Georgia provides uninsured motorist coverage to those who cannot get insurance. Considering that both cars are equally priced, would you rather purchase the damaged and repaired car or the one that has never been damaged?. While the term, diminished value, may be a relatively new one to consumers, insurers are well aware of its existence, having paid claims to both insureds and claimants for more than eighty years. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10 Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25 Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5 Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25 South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15 Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10 West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire. Smooth Quote Process The quote process can tell you quote a bit about an insurance company. To get free quotes and learn more about insurance please visit the following recommended sites. As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. For more help finding a Florida homeowner insurance policy please visit the website Home Insurance Quotes by Clicking Here. Some of these are the loss of factory transferable warranty coverage on damaged and repaired parts, increased title and disclosure obligations, and the loss of eligibility for inclusion in manufacturers preowned certification programs. While an exhaustive list of causes would be too lengthy to include in this article, most fall into one of three categories. While it will probably be several years before young drivers see the lower premiums older drivers see now, there are still a few measures young drivers can take to get cheap car insurance. Remember if the deal is to good to be true it probably is. The state of Georgia also has a number of laws concerning the common carriers such as the trucks and containers. The state of Georgia also has a number of laws concerning the common carriers such as the trucks and containers. Getting a claim paid quickly with little to no hassle is the hallmark of good customer service and is something to check before getting any home owners policy.