What are the Insurance Policy Limits in my State?

If you have ever purchased insurance for your car (or any general insurance) you may have heard the term, “Policy Limits”. These are the limits that you’re paying for each month known as your Premium. The policy limits are listed on the Declarations page of the insurance agreement. Many people just obtain the state minimum. So what is the minimum coverage I can purchase? The answer to that question varies state to state.

Here in Texas, the state minimum is:

Texas

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Here in Texas, we often deal with Texas policies as well as lots of other policies from surrounding states. Those states are listed below:

Oklahoma

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

New Mexico

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Missouri

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Louisiana

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Kansas

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

Colorado

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Arkansas

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Arizona

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Alabama 

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Mississippi

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Here at Herrman and Herrman, P.L.L.C. we are always looking out for you as it’s our goal to provide you the best customer service in the legal field. The more you know, the safer you can be on today’s roads. If you have any questions as always, we have attorneys standing by 24/7. Please call 361-882-4357 and someone will be happy to help.  Remember, at Herrman and Herrman, P.L.L.C. we’re always putting you first!

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