|
Car insurance is required in almost all states. Known as a mandatory minimum, drivers must purchase and maintain a certain level of car insurance from an insurance company in case of an accident or injury to another person or property. If you fail to maintain coverage, you could be in violation of the law. There are a handful of states that don't require you to purchase car insurance, but instead, show evidence of financial responsibility in some other way, such as with a surety bond, a cash deposit with the state, or a certificate of self insurance. Most insurance policies express the minimum amounts like this: 25/50/25 ($25,00/$50,000/$25,000), with the numbers corresponding to the individuals:
Below, you will find a state-by-state chart of car insurance laws, including the type of liability insurance you are required to carry and basic minimums for each coverage type. Remember, these are only minimums and you may wish to purchase additional coverage depending on your specific needs.
No, see Maine Department of Insurance Maryland Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 30/60/15 No, see Maryland Motor Vehicle Administration Massachusetts Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/5 and $20,000 uninsured motorist coverage per person $40,000 uninsured motorist coverage per accident $8,000 personal injury protection No, see Massachusetts Attorney General Michigan Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10 No, see Department of Insurance and Financial Services Minnesota Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured/Underinsured Motorist 30/60/10, Liability, Personal Injury Protection
Uninsured Motorist 25/50. No, see the Minnesota Department of Public Safety Mississippi Bodily Injury and Property Damage 25/50/25 No, see Mississippi Insurance Department Missouri Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10 and uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident No, see Missouri Department of Revenue Montana Bodily Injury and Property Damage Liability 25/50/10 Yes, see Montana Motor Vehicle Division Nebraska Bodily Injury and Property Damage Liability 25/50/25 No, see Nebraska Department of Motor Vehicles Nevada Bodily Injury and Property Damage Liability 15/30/10 No, see Nevada Department of Motor Vehicles New Hampshire Not required to purchase car insurance, but if you do, there are mandatory minimums 25/50/25 Yes, see New Hampshire Division of Motor Vehicles New Jersey Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/5 and $15,000 personal injury protection No, see Department of Insurance & Banking New Mexico Bodily Injury and Property Damage Liability 25/50/10 No, see New Mexico Motor Vehicle Department New York Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10 No, see New York Department of Motor Vehicles North Carolina Bodily Injury and Property Damage Liability 30/60/25 No, see North Carolina Department of Insurance North Dakota Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/25, uninsured motorist must be $25,000 per person/ $50,000 per accident. No, see North Dakota Insurance Department Ohio Demonstrate Financial Responsibility (FR) or maintaining minimum insurance 25/50/35 Yes, See Ohio Department of Motor Vehicles, can either purchase car insurance or demonstrate financial responsibility Oklahoma Bodily Injury and Property Damage Liability 25/50/25 No, see Oklahoma Department of Public Safety Oregon Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/25 No, see Oregon Department of Transportation Pennsylvania Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/5 Yes, see PennDOT for information on self insurance Rhode Island Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25 No, see Rhode Island Division of Motor Vehicles South Carolina Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25 No, see South Carolina Department of Insurance South Dakota Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25 No, see South Dakota Department of Public Safety Tennessee Bodily Injury and Property Damage Liability 25/50/15 No, see Tennessee DMV Texas Bodily Injury and Property Damage Liability 30/60/25 No, see Texas Department of Insurance Utah Bodily Injury and Property Damage Liability, Personal Injury Protection 25/65/15 No, see Utah Insurance Department Vermont Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 25/50/10 No, see Vermont Department of Motor Vehicles Virginia Can either purchase minimum liability or pay uninsured motorist fee 25/50/20 No, see Virginia DMV for information on uninsured motorist fee options Washington Bodily Injury and Property Damage Liability 25/50/10 No, see Washington State Department of Licensing West Virginia Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25 No, see West Virginia Division of Motor Vehicles Wisconsin Bodily Injury and Property Damage Liability 10/25/50 No, see Wisconsin DMV Wyoming Bodily Injury and Property Damage Liability 25/50/20 No, see Wyoming DMV Note: State laws are always subject to change, usually through the enactment of new legislation but also through court decisions and other means. Contact an attorney or conduct your own legal research to verify the state law(s) you are researching. Questions About State Car Insurance Laws? An Attorney can HelpIf you're confused about poorly written car insurance laws, you aren’t alone. Considering how complicated collision coverage, deductibles, and mandatory minimums can be, it's no wonder many drivers turn to attorneys for help deciphering the jargon. Connect with an attorney who specializes in car accidents and insurance to help navigate the complexities of the law.
Meeting with a lawyer can help you understand your options and how to best protect your rights. Visit our attorney directory to find a lawyer near you who can help. |
What type of auto insurance is required by law
Postagens relacionadas
direito autoral © 2024 cemle Inc.
