Insurance Claims
52 guides on insurance claims for car accident victims.
The Car Insurance Claim Process: A Complete Guide
A start-to-finish look at how car insurance claims work nationwide, from reporting the crash to settlement, with the places where state law changes the rules.
10 min readTexasMinimum Car Insurance Requirements in Texas
Texas law sets a 30/60/25 liability minimum, but that floor rarely covers a serious crash. Here are the exact requirements, penalties, and the coverages your insurer must offer, cited to the statutes.
6 min readWyomingMinimum Car Insurance Requirements in Wyoming
Wyoming law sets a 25/50/20 liability minimum, and it is lower than most drivers think. Here is exactly what the state requires, what it leaves optional, and what happens if you drive uninsured.
6 min readWisconsinMinimum car insurance requirements in Wisconsin
Wisconsin law requires 25/50/10 liability coverage and uninsured motorist protection you cannot waive, but it makes underinsured motorist and MedPay coverage optional. Here is what the state actually mandates, with the statutes behind each rule.
7 min readDistrict Of ColumbiaMinimum car insurance requirements in the District of Columbia
Washington, D.C. requires at least 25/50/10 liability coverage plus uninsured motorist protection. Here are the exact limits, PIP rules, election deadlines, and penalties, each tied to the D.C. statute behind it.
6 min readUtahMinimum car insurance requirements in Utah
Utah law sets a coverage floor for every driver: 30/65/25 liability, personal injury protection, and uninsured/underinsured motorist coverage. Here's exactly what's required, what changed in 2025, and what happens if you drive without it.
6 min readWest VirginiaMinimum car insurance requirements in West Virginia
West Virginia sets a 25/50/25 minimum for auto insurance and makes uninsured motorist coverage mandatory. Here's what the law requires in 2026 and why the minimum often falls short.
6 min readVermontMinimum Car Insurance Requirements in Vermont
Vermont's minimum auto policy is 25/50/10, and uninsured/underinsured motorist coverage is required on every policy. Here are the exact rules, numbers, and penalties, cited to the statutes.
7 min readTennesseeMinimum Car Insurance Requirements in Tennessee
Tennessee drivers must carry at least 25/50/25 in liability insurance, and the property damage minimum rose to $25,000 for policies issued or renewed after 2022. Here's what the law requires, how the state enforces it, and why the minimum often falls short.
6 min readVirginiaMinimum car insurance requirements in Virginia
Virginia raised its minimum liability limits to 50/100/25 in 2025 and ended the option to skip insurance by paying a fee. Here are the exact current rules, numbers, and penalties.
7 min readWashingtonMinimum car insurance requirements in Washington
Washington law requires drivers to carry at least 25/50/10 liability coverage, but the legal minimum rarely covers what a serious crash actually costs. Here is what the state requires, what it penalizes, and where the gaps are.
6 min readSouth DakotaMinimum Car Insurance Requirements in South Dakota
South Dakota requires 25/50/25 liability insurance plus uninsured and underinsured motorist coverage. Here are the exact statutory limits, the no-stacking rule, and where the legal minimum leaves you exposed.
6 min readSouth CarolinaMinimum car insurance requirements in South Carolina
South Carolina drivers must carry 25/50/25 liability and uninsured motorist coverage, and the state no longer lets anyone pay a fee to drive uninsured. Here are the exact requirements, penalties, and the statutes behind them.
6 min readPennsylvaniaMinimum car insurance requirements in Pennsylvania
Pennsylvania's minimum car insurance is 15/30/5 liability plus $5,000 in mandatory medical benefits, and every driver also picks full or limited tort. Here are the exact rules, numbers, and penalties, with the statute behind each.
6 min readOregonMinimum Car Insurance Requirements in Oregon
Oregon makes three coverages mandatory on every auto policy: 25/50/20 liability, personal injury protection, and uninsured/underinsured motorist coverage. Here are the exact limits, the penalties for driving uninsured, and what SB 840 changed in 2026.
6 min readOhioMinimum Car Insurance Requirements in Ohio
Ohio's minimum auto policy is 25/50/25, a floor unchanged since 2013. Here's what those limits actually pay, the legal alternatives to buying insurance, and what happens if you drive without it.
6 min readRhode IslandMinimum car insurance requirements in Rhode Island
Rhode Island makes every registered vehicle carry 25/50/25 liability plus uninsured and underinsured motorist coverage. Here are the exact minimums, what the state does not require, and the penalties if you drive without it.
6 min readOklahomaMinimum car insurance requirements in Oklahoma
Oklahoma law sets a 25/50/25 liability minimum and makes driving uninsured a misdemeanor. Here are the exact requirements, the coverages the state leaves optional, and the penalties enforced by its plate-camera program.
6 min readNorth DakotaMinimum car insurance requirements in North Dakota
North Dakota requires 25/50/25 liability coverage, $30,000 in no-fault (PIP) benefits, and uninsured/underinsured motorist coverage on every policy. Here's what each rule means and where the state minimum falls short.
6 min readNew MexicoMinimum Car Insurance Requirements in New Mexico
New Mexico's legal minimum is 25/50/10 liability coverage, one of the lowest in the country. Here's what each number covers, what the state doesn't require, and what driving uninsured actually costs you.
6 min readNorth CarolinaMinimum car insurance requirements in North Carolina
Since July 1, 2025, North Carolina requires at least 50/100/50 liability coverage plus uninsured and underinsured motorist protection. Here are the exact limits, how you prove coverage, and what a lapse costs.
6 min readNew JerseyMinimum car insurance requirements in New Jersey
On January 1, 2026, New Jersey raised its minimum auto liability limits to 35/70/25. Here is exactly what drivers must carry now, plus the Basic-policy exceptions and the penalties for going without.
6 min readNew YorkMinimum Car Insurance Requirements in New York
New York sets a legal floor for auto coverage: 25/50/10 in liability, a separate 50/100 tier for death claims, $50,000 in no-fault PIP, and mandatory uninsured motorist coverage. Here is every required number with the statute behind it.
6 min readNew HampshireMinimum car insurance requirements in New Hampshire
New Hampshire is the only state that doesn't require most drivers to carry auto insurance. Its financial responsibility law still dictates what any policy must include, and it can force you to insure after a crash or conviction.
6 min readNevadaMinimum car insurance requirements in Nevada
Nevada law sets a 25/50/20 minimum for car insurance and enforces it with real-time verification. Here are the exact limits, what your insurer must offer, and how that minimum holds up in an actual claim.
6 min readNebraskaMinimum car insurance requirements in Nebraska
Nebraska law sets a 25/50/25 liability floor and makes uninsured/underinsured motorist coverage mandatory on every policy. Here are the exact numbers, the penalties for driving uninsured, and what did not change in 2026.
6 min readIllinoisMinimum Car Insurance Requirements in Illinois
Illinois law requires every registered vehicle to carry at least 25/50/20 liability coverage plus uninsured motorist protection. Here are the exact limits, the statutes behind them, and what happens if you drive without insurance.
6 min readMississippiMinimum Car Insurance Requirements in Mississippi
Mississippi drivers must carry 25/50/25 liability coverage under the state's Motor Vehicle Safety-Responsibility Law. Here's what that means, what it costs to skip it, and the coverages the state leaves optional.
6 min readMichiganMinimum car insurance requirements in Michigan
Michigan is a no-fault state, so the coverage it requires (PIP, PPI, and residual liability) works differently than in most places. Here are the exact limits, the 2020 reform choices, and the penalties for going without.
6 min readMassachusettsMinimum car insurance requirements in Massachusetts
Massachusetts law sets a hard floor for auto coverage: 25/50/30 in liability, $8,000 in no-fault PIP, and matching uninsured-motorist protection, all raised on July 1, 2025. Here's what each coverage pays, what it doesn't, and the penalties for skipping it.
6 min readMissouriMinimum car insurance requirements in Missouri
What Missouri law actually requires you to carry in 2026: the 25/50/25 liability minimums, mandatory uninsured motorist coverage, and what happens if you drive without it.
6 min readMontanaMinimum car insurance requirements in Montana
Montana law requires only 25/50/20 liability coverage and no PIP. Here is exactly what the statute mandates, what it leaves out, and what that means after a crash.
6 min readIowaMinimum Car Insurance Requirements in Iowa
Iowa law sets the auto liability minimum at 20/40/15, but at-fault rules, built-in UM/UIM coverage, and stiff no-insurance penalties make the full picture more complicated. Here is exactly what the state requires in 2026 and why the minimum often falls short.
6 min readMinnesotaMinimum car insurance requirements in Minnesota
Minnesota drivers must carry four coverages, not one: 30/60/10 liability, $40,000 in no-fault PIP benefits, and mandatory uninsured/underinsured motorist protection. Here's each requirement with the statute behind it.
6 min readLouisianaMinimum car insurance requirements in Louisiana
Louisiana law requires only 15/30/25 liability coverage, but the 2025 no pay no play update means driving uninsured can now cost you the first $100,000 of any injury claim. Here are the exact rules.
6 min readMaineMinimum Car Insurance Requirements in Maine
Maine drivers must carry 50/100/25 liability, at least $2,000 in medical payments, $500 for towing and storage, and uninsured-motorist coverage that matches their liability limits. Here is what each rule requires and what it leaves out.
6 min readKentuckyMinimum Car Insurance Requirements in Kentucky
Kentucky requires 25/50/25 liability coverage plus $10,000 in no-fault basic reparation benefits. Here are the exact statutory limits, the 2026 HB 627 changes, and what happens if you drive without coverage.
6 min readMarylandMinimum Car Insurance Requirements in Maryland
Maryland sets a hard floor on the coverage every registered vehicle must carry: 30/60/15 liability, matching UM/UIM by default, and offered PIP. Here are the exact rules, waivers, and penalties, cited to the statutes.
6 min readIndianaMinimum car insurance requirements in Indiana
Indiana law sets a 25/50/25 liability minimum and requires uninsured and underinsured motorist coverage by default. Here are the exact numbers, the proof rules, and what driving uninsured actually costs.
6 min readKansasMinimum car insurance requirements in Kansas
Kansas makes every driver carry three kinds of coverage: 25/50/25 liability, PIP, and uninsured motorist protection. Here's what each one requires and what happens if you skip it.
6 min readIdahoMinimum Car Insurance Requirements in Idaho
Idaho requires 25/50/15 liability coverage under Idaho Code 49-117, but the fine print on proof, penalties, and UM/UIM rejection is where drivers get tripped up.
5 min readGeorgiaMinimum Car Insurance Requirements in Georgia
Georgia sets its minimum auto insurance at 25/50/25 and enforces it through an electronic lapse-tracking system with real fines attached. Here's what the law requires, what's optional, and what a lapse costs.
6 min readHawaiiMinimum Car Insurance Requirements in Hawaii
Hawaii's minimum liability limits jumped to 40/80/20 on January 1, 2026, on top of mandatory no-fault PIP coverage and optional UM/UIM, here's exactly what the law requires and why the minimum often falls short.
7 min readConnecticutMinimum Car Insurance Requirements in Connecticut
Connecticut's minimum auto insurance is 25/50/25, and state law forces your uninsured/underinsured motorist coverage to match it. Here's what the statutes actually require, what happens if you skip it, and why the minimum rarely covers a serious crash.
6 min readFloridaMinimum Car Insurance Requirements in Florida
Florida only requires $10,000 in PIP and $10,000 in property damage liability, with no mandatory bodily injury coverage. Here's what the state's insurance statutes actually require, and where the gaps are.
6 min readDelawareMinimum Car Insurance Requirements in Delaware
Delaware's minimum car insurance law layers three separate requirements onto every registered vehicle: 25/50/10 liability, mandatory PIP, and automatic UM/UIM coverage that only drops if you reject it in writing.
6 min readColoradoMinimum car insurance requirements in Colorado
Colorado sets a 25/50/15 liability floor, bundles in uninsured motorist coverage by default, and checks compliance through a real-time database. Here's what the statutes actually require and where the state minimum falls short.
6 min readCaliforniaMinimum Car Insurance Requirements in California
California's minimum liability limits jumped to 30/60/15 in 2025 and will climb again in 2035. Here's what the law actually requires, and why the minimum rarely covers a serious crash.
6 min readArkansasMinimum Car Insurance Requirements in Arkansas
Arkansas requires drivers to carry 25/50/25 minimum liability coverage, and a real-time verification system now catches lapses almost immediately, triggering fines and a registration suspension.
6 min readArizonaMinimum Car Insurance Requirements in Arizona
Arizona's minimum liability limits have been 25/50/15 since July 1, 2020, but the state caps nothing on damages, so a serious crash can blow past that floor fast. Here's what the statutes actually require, from the UM/UIM offer rule to the penalties for driving uninsured.
6 min readAlabamaMinimum Car Insurance Requirements in Alabama
Alabama drivers must carry 25/50/25 liability coverage, checked electronically through the state's OIVS system, with UM/UIM automatically included unless rejected in writing.
6 min readAlaskaMinimum Car Insurance Requirements in Alaska
Alaska sets its minimum liability coverage at 50/100/25 under AS 28.22.101, but the proof-of-insurance penalties, the off-road-system exemption, and the alternatives to a standard policy are where the state's rules get specific.
7 min read