Many people who are injured in a motor vehicle collision often wonder, “Will I be compensated for all my injuries, and the associated pain and suffering?” The quick answer is, it depends. The most important factor in determining whether or not an injured party receives a fair amount of compensation for their injuries, pain and suffering is the limits of the insurance policy that covers the at-fault driver. The “policy limits” of an insurance policy is the maximum amount that can be paid to a claimant for their claim. These limits vary from state to state.
Please see the following list, courtesy of Shamit Choksey of www.cars.com:
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 |
