There's also the same
required bodily injury limit for uninsured / underinsured driver's insurance.
There's also the same
required bodily injury limit for uninsured / underinsured driver's insurance.
Not exact matches
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).
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.
California
requires that car insurance policies have at least
bodily injury liability and property damage liability coverages of the
limits below:
By law, the minimum coverage and liability
limits required in Maryland are
bodily injury, personal
injury, and uninsured motorist liability.
Nevada
requires that all drivers maintain liability
limits of at least $ 15,000 per person, $ 30,000 per accident for
bodily injury and $ 10,000 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.
Once you receive the rate quotes, you can then compare policy premium prices as well as the policy
limits for legally
required bodily injury coverage and property damage 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).
A minimum of $ 25,000 per person and $ 50,000 per accident for
bodily injury liability and $ 25,000 per accident for property damage liability, is
required by law, but drivers are strongly urged to consider higher
limits.
The
limits of such uninsured motorist
bodily injury coverage shall be equal to the highest
limits of
bodily injury liability coverage for any one vehicle insured under the policy; provided, however, that (i) the
limits shall not exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident regardless of whether the highest
limits of
bodily injury liability coverage for any one vehicle insured under the policy exceed those
limits and (ii) a named insured may purchase greater or lesser
limits, except that the
limits shall not be less than the
bodily injury liability
limits required pursuant to subdivision (2) of this subsection, and in no event shall an insurer be
required by this subdivision to sell uninsured motorist
bodily injury coverage at
limits that exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident.
It provides comprehensive catastrophic liability coverage over and above certain
limits of the
bodily injury and property damage liability insurance the firm
requires.
Arizona's financial responsibility law
requires that every driver carry at least minimum insurance
limits of $ 15,000 per person and $ 30,000 per accident
bodily injury liability and $ 10,000 per accident property damage liability.
To get this type of coverage, you must maintain home and auto policies that include the minimum
required limits for property loss and
bodily injuries.
Colorado
requires limits of $ 25,000 per person for
bodily injury, $ 50,000 per accident for
bodily injury — commonly expressed as «25/50.»
In Colorado, insurers are
required to offer UM / UIM in the same amount as the
bodily injury liability
limits you select.
The
limits of such underinsured motorist
bodily injury coverage shall be equal to the highest
limits of
bodily injury liability coverage for any one vehicle insured under the policy; provided, however, that (i) the
limits shall not exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident regardless of whether the highest
limits of
bodily injury liability coverage for any one vehicle insured under the policy exceed those
limits, (ii) a named insured may purchase greater or lesser
limits, except that the
limits shall exceed the
bodily injury liability
limits required pursuant to subdivision (2) of this subsection, and in no event shall an insurer be
required by this subdivision to sell underinsured motorist
bodily injury coverage at
limits that exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident, and (iii) the
limits shall be equal to the
limits of uninsured motorist
bodily injury coverage purchased pursuant to subdivision (3) of this subsection.
Coverage to Protect Your Assets Despite the
required minimum requirements for
bodily injury liability, it is probably in your best interest to purchase higher
limits.
The
required minimum
limits are 25/50/15: $ 25,000 per person and $ 50,000 per car accident of
bodily injury liability and $ 15,000 of property damage liability.
If you carry UMBI, most states
require your
limits for this coverage to be the same or lower than your
bodily injury liability
limits.
Arkansas auto insurance laws
require bodily injury, property damage, and personal
injury protection coverage, and minimum liability
limits of:
Nevada
requires that all drivers maintain liability
limits of at least $ 15,000 per person, $ 30,000 per accident for
bodily injury and $ 10,000 property damage.
As a general guideline all Virginia car owners should know that the state law
requires minimum
bodily injury liability
limits of $ 25,000 per injured person and up to a total of $ 50,000 per accident.
Alabama state law
requires minimum
bodily injury liability
limits of $ 25,000 per injured person and a total of $ 50,000 per accident, with a minimum property damage liability
limit of $ 25,000.
Based on this data, most
bodily injury claims fall within reach of the minimum coverage
limits required by the states, with a few exceptions, such as Florida.
For example, in the state of Washington, minimum
required coverage includes only
bodily injury liability ($ 25,000 per person and up to $ 50,000 per accident) and property damage liability ($ 10,000 minimum
limit).
However, insurers are
required to offer UM / UMI in the same amount as your
bodily injury liability
limits on new and renewal policies.
Nevada state law only
requires drivers to purchase minimum liability coverage
limits of $ 15,000 against
bodily injury to others, $ 30,000 in per - accident coverage, and $ 10,000 to cover the cost of property damage.
A civil traffic infraction is a non-criminal charge that can usually be disposed of by the payment of a civil penalty or an election to attend a defensive driving course, However, if your citation involves serious
bodily injury, a fatality, leaving a child unattended in a motor vehicle, or speed 30 + MPH in excess of posted speed
limits, you are
required to appear before the Court.
West Virginia drivers are also
required to buy the same liability
limits ($ 25,000 for
bodily injury to others, $ 50,000 in per - accident coverage, and $ 25,000 against property damage) of uninsured and underinsured motorist insurance (UMI).
The minimum
limits required by law are the same as your
bodily injury liability insurance.
For car insurance policies, Kentucky state law
requires minimum liability
limits of $ 25,000 in
bodily injury protection for each person injured, $ 50,000 coverage in per accident protection, and $ 10,000 insurance to cover the cost of property damage.
Present
required limits for
bodily injury liability is $ 12,500 per person, $ 25,000 per accident and $ 7,500 for property damage liability.
Maine and Alaska are tied for having the highest minimum
required bodily injury liability
limits in the U.S.. However, in Alaska, the rules do not apply statewide.
Utah state law
requires all drivers to purchase car insurance policies with minimum liability coverage
limits of $ 25,000 against
bodily injury to others, $ 65,000 in per - accident coverage, and $ 15,000 coverage against the cost of property damage.
New Jersey law
requires you to carry a property damage liability policy with at least $ 5,000 worth of coverage and a
bodily injury liability policy with
limits of no less than $ 15,000 per person and $ 30,000 per accident.
Kansas state law
requires that all drivers in the state purchase minimum liability coverage
limits of $ 25,000 against
bodily injury to others, $ 50,000 in per - accident coverage, and $ 25,000 to cover the cost of property damage.
The state laws for minimum liability
limits on South Carolina car insurance policies
require at least $ 25,000 in
bodily injury protection for each person injured, at least $ 50,000 in coverage per accident, and at least $ 25,000 insurance against the cost of property damage.
California
requires that car insurance policies have at least
bodily injury liability and property damage liability coverages of the
limits below:
The Kansas state Insurance Department
requires that KS drivers must have a car insurance policy with at least $ 25,000
limit per person for
bodily injury coverage, and $ 50,000 per accident.
State law
requires at least a 25/50/25 policy:
bodily injury liability
limits of $ 25,000 per injured person up to a total of $ 50,000 per accident, and property damage liability coverage with a minimum
limit of $ 25,000.
Proof of Liability Insurance: If you purchase insurance, Iowa
requires that it includes at least
limits of $ 20,000 of
bodily injury coverage per person, $ 40,000 of
bodily injury coverage per accident, and $ 15,000 of property damage liability coverage per accident.
That's why it's important to consider
bodily injury liability coverage
limits that are higher than what your state
requires.
If you choose the split -
limit option, Nevada law
requires that you carry
bodily injury coverage of $ 15,000 per person / $ 30,000 per accident and property damage (liability) coverage of $ 10,000 per accident.
(If you lease a vehicle, the leasing company may
require you to carry higher
bodily injury and property damage
limits.)
State auto insurance law
requires that uninsured motorist policies be equal in value to drivers» liability policies unless they specifically choose to elect lower
limits for
bodily injury uninsured motorist coverage.
For
bodily injury liability involving only one injured person
requiring medical care, the minimum
limit is $ 20,000.
By law, the minimum coverage and liability
limits required in Maryland are
bodily injury, personal
injury, and uninsured motorist liability.