This includes
the minimum bodily injury and property damage liability coverage amounts required by state law.
For example,
the minimum bodily injury and property damage liability limits are only 20/40/10, which could easily be exceeded in a serious crash.
Not exact matches
Each has its own
minimum requirements for
bodily injury and property damage liability — the amount a policyholder's motorcycle insurance company will cover.
For example, the
minimum coverage required in the state of New York is 25/50/10 but the limits in Texas every policy must have are 30/60/25 ($ 30,000 for the
bodily injury or death of a person in one accident; $ 60,000 in an accident with two or more people;
and $ 25,000 of personal
property coverage).
Minnesota state requires
minimum auto insurance liability of $ 30,000 per person for
bodily injury protection up to $ 60,000 per accident, $ 10,000 for
property damage per accident, $ 40,000 per person for personal
injury protection,
and $ 25,000 per person for uninsured
and underinsured motorists up to $ 50,000 per accident.
Connecticut requires
minimum auto insurance liability of $ 20,000 per person for
bodily injury protection
and up to $ 40,000 per accident,
and $ 10,000 for
property damage per accident.
Connecticut requires that every driver carry
minimum liability limits of $ 20,000 per person
and $ 40,000 per accident in
bodily injury coverage
and $ 10,000
property damage coverage.
At the least, you're required by law to buy a 20/40/10 policy:
minimum bodily injury liability limits of $ 20,000 per injured person, up to a total of $ 40,000 per accident,
and property damage liability coverage of $ 10,000.
North Dakota state law requires
minimum auto insurance of $ 25,000 per person, $ 50,000 per accident for
bodily injury,
and $ 25,000 per accident for
property damage.
New Mexico requires
minimum auto insurance liability of $ 25,000 per person for
bodily injury protection
and up to $ 50,000 per accident,
and $ 10,000 for
property damage per accident.
The
minimums will be expressed in
bodily injury liability limits
and property damage liability insurance.
For instance, if you went with the
minimum liability requirements for Tennessee drivers — which, as of 2010, were $ 25,000
bodily injury per person, $ 50,000
bodily injury per accident,
and $ 15,000
property damage — you would probably be underinsured, according to most experts.
To meet Michigan's
minimum motorcycle insurance requirements, you'll need at least $ 20,000 of coverage for
bodily injuries per person, $ 40,000 of coverage for
bodily injuries per accident
and $ 10,000 of coverage for
property damage per accident.
If the ATV is to be operated on a public road then it must be licensed
and also meet the state's
minimum financial responsibility requirements which are $ 15,000 per person
and $ 30,000 per accident
bodily injury liability
and $ 10,000
property damage liability.
Rhode Island requires
minimum coverage of $ 25,000 per person for
bodily injury protection
and up to $ 50,000 per accident,
and $ 25,000 for
property damage per accident.
The Mississippi Insurance Department requires
minimum auto insurance liability of $ 25,000 per person, $ 50,000 per accident for
bodily injury and $ 25,000 for
property damage per accident.
The consequences of going without include suspended registration, fines,
and possible car impoundment, so you should probably buy a policy for at least the
minimum in coverage:
bodily injury liability of $ 15,000 per person
and $ 30,000 per accident,
and property damage liability of $ 5,000.
Minimum liability coverage includes $ 40,000 for
bodily injury (per accident)
and $ 20,000
bodily injury (per person) as well as $ 15,000
property damage.
Wyoming's automobile financial responsibility law requires
minimum liability limits of $ 25,000 per person, $ 50,000 per accident
bodily injury and $ 20,000
property damage.
You need
bodily injury (BI) protection of $ 30,000
minimum per accident
and $ 15,000
minimum per person as well as
property damage (PD) coverage of just $ 5,000.
At a
minimum, drivers in The Tar Heel State are required by law to purchase liability insurance in the amounts of $ 30,000 for
bodily injury for one person, $ 60,000 for
bodily injury for two or more people,
and $ 25,000 for
property damage.
Most agents (in their right mind) would argue that the
minimums are way too low,
and that you should get protection more along the lines of $ 100,000
bodily injury per person, $ 300,000
bodily injury per accident,
and $ 50,000 (or more) for
property damage liability.
Some insurance experts advise drivers to get substantially more than these
minimums: something more along the lines of $ 100,000
bodily injury per person, $ 300,000
bodily injury per accident,
and $ 50,000
property damage.
Here's the
minimum you need to figure when you search for Las Vegas insurance quotes:
bodily injury liability of $ 15,000 for one person; $ 30,000 as a per - accident total;
and a
property damage policy of $ 10,000.
Car insurance liability requirements vary by state,
and include a
minimum amount for
bodily injury costs per person
and per accident as well as a
minimum for
property damage liability.
Each state also has its own
minimum liability limits, presented as
bodily injury limit for a single person,
bodily injury limit on the entire accident,
and property damage limit.
Federal laws mandate that truckers
and trucking companies carry certain
minimum amounts of liability,
bodily injury,
and property damage insurance coverage.
A commercial truck carrying HAZMAT goods
and / or explosives has to have a
minimum insurance of $ 5,000,000 for
bodily injury and property destruction.
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The law requires a
minimum of liability insurance of $ 25,000 for
bodily injury to one person, $ 50,000 for
bodily injury to all persons,
and $ 10,00 for
property damage in any one accident.
Effective July 1, 2018, the
minimum insurance limits will increase to 25/50/20 ($ 25,000 per person / $ 50,000 per accident for
bodily injury liability
and $ 20,000 for
property damage liability).
Although it is mandatory for everyone to obtain
minimum liability auto insurance before registering their vehicle — which includes $ 25,000 / $ 50,000 for
bodily injury, $ 25,000 / $ 50,000 for uninsured
and underinsured motorist
bodily injury, $ 10,000 for
property damage
and $ 50,000 for personal
injury protection — some drivers continue to get behind the wheel without adequate coverage.
By law, every driver in the state of South Carolina must carry at least the
minimum liability coverage, which includes
bodily injury and property damage.
While the
minimum amounts of coverage for a non-rideshare driver are $ 15,000 / $ 30,000 in
bodily injury liability per person / per accident,
and $ 5,000 for
property damage, the insurance requirements for rideshare companies are:
The type of liability coverage required in all states must meet
minimum state level requirements for two types of coverage: personal
bodily injury coverage
and property damage coverage.
Unfortunately, Puerto Rico does not require that its motorists maintain any liability coverage on their vehicles, though it is strongly recommended that all Puerto Rican motorists obtain
minimum bodily injury protection of $ 100,000 for a single person
and $ 300,000 for multiple persons as well as $ 100,000 in
property damage liability for their vehicle.
For example, in New York, the
minimum requirement is 30/60/25, meaning that the requirements are $ 30,000 for
bodily injury liability for one person, $ 60,000 for
bodily injury liability for all
injuries from one accident,
and $ 25,000 for
property damage liability per accident.
The
minimum liability amounts in Washington are $ 25,000 for
bodily injury per person, $ 50,000 for all
injuries,
and $ 10,000 for
property damage.
Carrying Illinois state
minimum liability limits of 25/50/20 — $ 25,000 per person
and $ 50,000 per accident for
bodily injury and $ 20,000 for
property damage — doesn't give you much protection if you own a home or have savings.
The
minimum threshold for
bodily injury coverage of all people injured in the accident is $ 50000
and it is $ 10000 for
property damage.
For instance, say you have Connecticut
minimum bodily injury of $ 20,000
and $ 10,000 in
property damage.
For example, if you're a Connecticut driver (where
minimum liability coverage is $ 20,000 of
bodily injury protection per person, $ 40,000 of
bodily injury protection per accident
and $ 10,000 of
property damage per accident, referred to as 20/40/10)
and are involved in an accident in New York (which requires 25/50/10 of liability coverage), your auto insurance will automatically extend to meet New York's requirements.
You must have a liability policy with a
minimum of $ 15,000 in
bodily injury liability, a $ 30,000
minimum for multiple injured motorists,
and a $ 5,000
minimum in
property damage liability.
Most states have a
minimum bodily injury liability coverage requirement of $ 20,000 to $ 25,000 per person
and $ 40,000 to $ 50,000 per accident, says Bob Passmore, senior director of personal insurance lines for the
Property Casualty Insurers Association of America.
Most states require you to carry at least a
minimum level of
bodily injury and property damage liability coverage.
For example, the
minimum coverage required in the state of New York is 25/50/10 but the limits in Texas every policy must have are 30/60/25 ($ 30,000 for the
bodily injury or death of a person in one accident; $ 60,000 in an accident with two or more people;
and $ 25,000 of personal
property coverage).
For instance, say you have New York's
minimum of $ 25,000 in
bodily injury coverage
and $ 10,000 in
property damage.
If you buy insurance, the
minimum liability insurance you can purchase is $ 25,000
bodily injury liability per person ($ 50,000 per accident)
and $ 25,000
property damage liability, plus uninsured / underinsured motorist
bodily injury coverage
and $ 1,000 of medical payments coverage (MedPay).