State Minimum Liability Coverage Chart
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UPDATED: Dec 30, 2020
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When you get your car insured, your state sets a minimum amount of liability coverage that you are required to have. The minimum coverage is designed to protect other drivers from damages that you cause by forcing you to carry an insurance policy that will pay for injuries or damages.
The chart below will show you what your liability coverage is depending on your state:
- Minimum Liability Coverage: Represented below in a series of three numbers separated by dashes that show your liability coverage. The first number represents how much your insurance will pay for injuries per person, while the second number represents the total amount your insurance company will pay for injuries per accident regardless of how many people are injured. The last number is the maximum amount your insurance company will pay for damages per accident. All numbers are in the thousands of dollars so a coverage limit written as 25/50/10 means: $25,000 per person, max of $50,000 per accident in injuries, and a max of $10,000 in damages to property.
- No Fault State: If you live in no fault state, your own insurance policy will pay for your injuries and damages. This may mean that you will want increased coverage beyond the state minimum requirements.
- Minimum PIP Required: Some states require you to have a minimum amount of Personal Injury Protection (PIP) coverage for injuries to you and your passengers. If your state does require this, be sure to ask what level you need before you purchase a policy.
- Uninsured Motorist Protection: Some states will require to get uninsured motorist protection in your policy. If your state requires this coverage, you need to add it to your policy when you purchase one.
When you purchase an auto insurance policy, you will need make sure that you satisfy the minimum coverage requirements in your state. Ask your insurance company or agent about the minimum requirements when you purchase car insurance so you will know what to expect from your policy.
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