when a police officer or other law enforcement agent requests it
when you are involved in a traffic accident
when you renew your vehicle registration
Requirements for Private Passenger Vehicles Any individually owned vehicle that is not used for rent or public transportation qualifies as a private passenger vehicle. Private vehicles must have three components in their insurance plan:
$15,000 for death or injury to one person
$30,000 for death or injury to more than one person
$5,000 for property damage If you do not get insurance for your vehicle, then you could be cited or even get your vehicle impounded. In case of an accident, you will be personally responsible for any damages that are incurred.