By U.S. laws governing all states each

Wednesday, August 26th, 2009 at 8:21 pm

car owner should ave minimum auto insurance coverage. In some states which does not
has such laws, financial responsibility laws enables you to furnish proof of financial security for bodily damage and property
damage resulting from auto accident up to bare minimum amount.

Below is a chart which figures you out minimum personal injury coverage, minimum coverage for all met an accident,
and third figures out minimum property damage coverage from state to state. All figures are in 1000’s $.

For example in the state California the minimum coverage is $50,000 for all in accident , for one person personal
injuries up to $25,000 and property damage3 is up to $5,000.

* Alabama 25/50/25
* Alaska 50/100/25
* Arizona 15/30/10
* Arkansas 25/50/25
* California 15/30/5
* Colorado 25/50/15
* Connecticut 20/40/10
* Delaware 15/30/10
* D.C. 25/50/10
* Florida 10/20/10
* Georgia 25/50/25
* Hawaii 20/40/10
* Idaho 25/50/15
* Illinois 20/40/15
* Indiana 25/50/10
* Iowa 20/40/15
* Kansas 25/50/10
* Kentucky 25/50/10
* Louisiana 10/20/10
* Maine 50/100/25
* Maryland 20/40/15
* Massachusetts 20/40/5
* Michigan 20/40/10
* Minnesota 30/60/10
* Mississippi 25/50/25
* Missouri 25/50/10
* Montana 25/50/10
* Nebraska 25/50/25
* Nevada 15/30/10
* New Hampshire 25/50/25 Financial Responsibility only
* New Jersey 15/30/10
* New Mexico 25/50/10
* New York 25/50/10
* North Carolina 30/60/25
* North Dakota 25/50/25
* Ohio 12.5/25/7.5
* Oklahoma 25/50/25
* Oregon 25/50/10
* Pennsylvania 15/30/5
* Rhode Island 25/50/25
* South Carolina 25/50/25
* South Dakota 25/50/25
* Tennessee 25/50/10
* Texas 25/50/25
* Utah 25/50/15
* Vermont 25/50/10
* Virginia 25/50/20
* Washington 25/50/10
* West Virginia 20/40/10
* Wisconsin 25/50/10 Financial Responsibility only
* Wyoming 25/50/20

These figures are only minimum requirements by law. More realistic figures in general have $300,000 bodily injury
protection per accident and $100,000 per person coverage.

Various other options included in various coverages. These include -

Uninsured Motorist Coverage:
If your damage is caused by uninsured driver both personal injury and property damages are paid up as part of this
coverage.

Underinsured Motorist Coverage:

Underinsured is a driver you will not cover your full personal injuries and property damages in an accident but he had
insurance unlike uninsured driver in this coverage.

Personal Injury Protection (PIP):

Also known as No-fault system. Fault may be on other side only in which case this pays up full hospitalisations,
wages lost and law fees etc.,

Collision Coverage Coverage to pay for damages caused to your vehicle when involved in a collision with another vehicle or object.

Comprehensive Coverage This pays for damage to your vehicle that is not the result of a collision, such as fire, theft, vandalism and flooding.

Share and Enjoy: