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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, 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 a personal injury lawyer 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 us today! We are 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. Call now at (361) 400-2036.

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

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