⚖️ Legal & Self-Advocacy Skills *coming soon
Course overview
Lesson Overview

11.8 – Insurance Requirements and Accident Liability Basics: Vehicle insurance isn’t just a recommendation—it’s a legal necessity that protects you, other drivers, and property. Most states require minimum liability coverage to pay for injuries or damages you cause in an accident. Additional coverage, like collision or comprehensive, protects your own car from theft, fire, or non-collision damage. Understanding deductibles, limits, and exclusions helps you balance cost and protection. Always carry proof of insurance, and update your policy when you move or change vehicles. In accidents, exchange insurance information, document the scene with photos, and report promptly to both insurer and police if required. Fault determination affects liability, so avoid admitting guilt before investigation. Uninsured or underinsured motorist coverage safeguards you if the other driver lacks proper protection. Non-compliance can result in license suspension or fines. Reviewing your policy yearly ensures it meets current needs and state requirements. Insurance transforms risk into manageable security—its true purpose is not just financial recovery but peace of mind through lawful preparedness.

About this course

Knowledge and strategies to understand your rights, navigate legal systems, and advocate effectively for yourself.

This course includes:
  • Legal rights and resource guides
  • Self-advocacy planning templates and documentation checklists
  • Scenario-based exercises for practicingegal and advocacy interactions

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