UNDERSTANDING INSURANCE POLICY LIMITS AFTER A CAR WRECK

If you were recently involved in a car crash and are having trouble understanding all the numbers and policy information the insurance company and attorney are explaining, this blog should come in handy. Every state has minimum limits of insurance it requires to be properly insured when operating a motor vehicle in that state. These limits vary from state to state, so it important to check to make sure you are properly insured.

Here is a quick example: In Texas, the minimum insurance limits are 30/60/25, which means that if you are in a car wreck in Texas with a Texas driver who carries a Texas minimum insurance policy and the car accident is their fault, you would be eligible to recover $30,000 in bodily injury damages. If there were 2 people in your vehicle (you and a passenger), each of you would be eligible for $30,000, as the overall limit is $60,000. The $25,000 is the amount put aside to address your property damage and is separate from your eligible injury compensation.

The list below, courtesy of Shamit Choksey of www.cars.com, is a comprehensive look at minimum car insurance requirements for each state:

Minimum Car Insurance Requirements by State

This information was verified with each state’s insurance commission. In some cases, the limits and requirements have recently changed. Forthcoming changes have been denoted with asterisks.

State

Insurance Required

Minimum Liability Limits

Alabama

BI & PD Liab

25/50/25

Alaska

BI & PD Liab

50/100/25

Arizona

BI & PD Liab

15/30/10

Arkansas

BI & PD Liab, PIP

25/50/25

California

BI & PD Liab

15/30/51

Colorado

BI & PD Liab

25/50/15

Connecticut

BI & PD Liab, UM, UIM

20/40/10

Delaware

BI & PD Liab, PIP

15/30/10

District of Columbia

BI & PD Liab, UM

25/50/10

Florida

PD Liab, PIP

10/20/102

Georgia

BI & PD Liab

25/50/25

Hawaii

BI & PD Liab, PIP

20/40/10

Idaho

BI & PD Liab

25/50/15

Illinois

BI & PD Liab, UM, UIM

20/40/15

Indiana

BI & PD Liab, UM, UIM

25/50/10

Iowa

BI & PD Liab

20/40/15

Kansas

BI & PD Liab, PIP, UM, UIM

25/50/10

Kentucky

BI & PD Liab, PIP

25/50/10

Louisiana

BI & PD Liab

15/30/25

Maine

BI & PD Liab, UM, UIM

50/100/253

Maryland

BI & PD Liab, PIP4, UM, UIM

30/60/15

Massachusetts

BI & PD Liab, PIP, UM

20/40/5

Michigan

BI & PD Liab, PIP, PPI

20/40/10

Minnesota

BI & PD Liab, PIP, UM,UIM

30/60/10

Mississippi

BI & PD Liab

25/50/25

Missouri

BI & PD Liab, UM

25/50/10

Montana

BI & PD Liab

25/50/10

Nebraska

BI & PD Liab

25/50/25

Nevada

BI & PD Liab

15/30/10

New Hampshire

FR only7, UM

25/50/253

New Jersey

BI & PD Liab, PIP, UM, UIM

15/30/55

New Mexico

BI & PD Liab

25/50/10

New York

BI & PD Liab, PIP, UM

25/50/106

North Carolina

BI & PD Liab, UM, UIM

30/60/25

North Dakota

BI & PD Liab, PIP, UM, UIM

25/50/25

Ohio

BI & PD Liab

12.5/25/7.5

Oklahoma

BI & PD Liab

25/50/25

Oregon

BI & PD Liab, PIP, UM, UIM

25/50/20

Pennsylvania

BI & PD Liab, PIP

15/30/5

Rhode Island

BI & PD Liab, UM8

25/50/257

South Carolina

BI & PD Liab, UM

25/50/25

South Dakota

BI & PD Liab, UM

25/50/25

Tennessee

BI & PD Liab

25/50/152

Texas

BI & PD Liab

30/60/25**

Utah

BI & PD Liab, PIP

25/65/152

Vermont

BI & PD Liab, UM, UIM

25/50/10

Virginia

BI & PD Liab, UM, UIM

25/50/20

Washington

BI & PD Liab

25/50/10

West Virginia

BI & PD Liab, UM

20/40/10

Wisconsin

BI & PD Liab, UM

25/50/10

Wyoming

BI & PD Liab

25/50/20

 

If you have any further questions about insurance policies after an injury following a car crash, 18-wheeler wreck, or company vehicle accident, it is important to speak to an injury attorney to discuss your options and legal rights. From Corpus Christi to San Antonio, Dallas, Waco, Houston, The Rio Grande Valley and beyond, The Patel Firm PLLC is a phone call away. Contact The Patel Firm PLLC, located at 5117 Williams Drive, Corpus Christi, Texas 78411 if you have any legal concerns after an injury. 24/7/365, someone at The Patel Firm PLLC is waiting to take your call.

*This blog is for informational purposes only and is not intended to, and should not be construed as legal advice.