All 50 State Guides
Insurance Claim Rights by State
Every state has different insurance laws, fault systems, deadlines, and minimum coverage requirements. Find your state below to understand your rights and maximize your claim.
38
At-Fault States
12
No-Fault / Choice States
50
Complete Guides
Alabama
ALMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Alabama Guide
Alaska
AKMin. Liability50/100/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Alaska Guide
Arizona
AZMin. Liability25/50/15
PI Statute of Limitations2 years
Diminished ValueAllowed
View Arizona Guide
Arkansas
ARMin. Liability25/50/25
PI Statute of Limitations3 years
Diminished ValueAllowed
View Arkansas Guide
California
CAMin. Liability30/60/15
PI Statute of Limitations2 years
Diminished ValueAllowed
View California Guide
Colorado
COMin. Liability25/50/15
PI Statute of Limitations3 years
Diminished ValueAllowed
View Colorado Guide
Connecticut
CTMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Connecticut Guide
Delaware
DEMin. Liability25/50/10
PI Statute of Limitations2 years
Diminished ValueAllowed
View Delaware Guide
Florida
FLMin. Liability10/20/10
PI Statute of Limitations4 years
Diminished ValueAllowed
View Florida Guide
Georgia
GAMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Georgia Guide
Hawaii
HIMin. Liability20/40/10
PI Statute of Limitations2 years
Diminished ValueAllowed
View Hawaii Guide
Idaho
IDMin. Liability25/50/15
PI Statute of Limitations2 years
Diminished ValueAllowed
View Idaho Guide
Illinois
ILMin. Liability25/50/20
PI Statute of Limitations2 years
Diminished ValueAllowed
View Illinois Guide
Indiana
INMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Indiana Guide
Iowa
IAMin. Liability20/40/15
PI Statute of Limitations2 years
Diminished ValueAllowed
View Iowa Guide
Kansas
KSMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Kansas Guide
Kentucky
KYMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Kentucky Guide
Louisiana
LAMin. Liability15/30/25
PI Statute of Limitations1 year
Diminished ValueAllowed
View Louisiana Guide
Maine
MEMin. Liability50/100/25
PI Statute of Limitations6 years
Diminished ValueAllowed
View Maine Guide
Maryland
MDMin. Liability30/60/15
PI Statute of Limitations3 years
Diminished ValueAllowed
View Maryland Guide
Massachusetts
MAMin. Liability20/40/5
PI Statute of Limitations3 years
Diminished ValueAllowed
View Massachusetts Guide
Michigan
MIMin. Liability250/500/10
PI Statute of Limitations3 years
Diminished ValueRestricted
View Michigan Guide
Minnesota
MNMin. Liability30/60/10
PI Statute of Limitations6 years
Diminished ValueAllowed
View Minnesota Guide
Mississippi
MSMin. Liability25/50/25
PI Statute of Limitations3 years
Diminished ValueAllowed
View Mississippi Guide
Missouri
MOMin. Liability25/50/25
PI Statute of Limitations5 years
Diminished ValueAllowed
View Missouri Guide
Montana
MTMin. Liability25/50/20
PI Statute of Limitations3 years
Diminished ValueAllowed
View Montana Guide
Nebraska
NEMin. Liability25/50/25
PI Statute of Limitations4 years
Diminished ValueAllowed
View Nebraska Guide
Nevada
NVMin. Liability25/50/20
PI Statute of Limitations2 years
Diminished ValueAllowed
View Nevada Guide
New Hampshire
NHMin. Liability25/50/25
PI Statute of Limitations3 years
Diminished ValueAllowed
View New Hampshire Guide
New Jersey
NJMin. Liability15/30/5
PI Statute of Limitations2 years
Diminished ValueAllowed
View New Jersey Guide
New Mexico
NMMin. Liability25/50/10
PI Statute of Limitations3 years
Diminished ValueAllowed
View New Mexico Guide
New York
NYMin. Liability25/50/10
PI Statute of Limitations3 years
Diminished ValueAllowed
View New York Guide
North Carolina
NCMin. Liability30/60/25
PI Statute of Limitations3 years
Diminished ValueAllowed
View North Carolina Guide
North Dakota
NDMin. Liability25/50/25
PI Statute of Limitations6 years
Diminished ValueAllowed
View North Dakota Guide
Ohio
OHMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Ohio Guide
Oklahoma
OKMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Oklahoma Guide
Oregon
ORMin. Liability25/50/20
PI Statute of Limitations2 years
Diminished ValueAllowed
View Oregon Guide
Pennsylvania
PAMin. Liability15/30/5
PI Statute of Limitations2 years
Diminished ValueAllowed
View Pennsylvania Guide
Rhode Island
RIMin. Liability25/50/25
PI Statute of Limitations3 years
Diminished ValueAllowed
View Rhode Island Guide
South Carolina
SCMin. Liability25/50/25
PI Statute of Limitations3 years
Diminished ValueAllowed
View South Carolina Guide
South Dakota
SDMin. Liability25/50/25
PI Statute of Limitations3 years
Diminished ValueAllowed
View South Dakota Guide
Tennessee
TNMin. Liability25/50/15
PI Statute of Limitations1 year
Diminished ValueAllowed
View Tennessee Guide
Texas
TXMin. Liability30/60/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View Texas Guide
Utah
UTMin. Liability25/65/15
PI Statute of Limitations4 years
Diminished ValueAllowed
View Utah Guide
Vermont
VTMin. Liability25/50/10
PI Statute of Limitations3 years
Diminished ValueAllowed
View Vermont Guide
Virginia
VAMin. Liability30/60/20
PI Statute of Limitations2 years
Diminished ValueAllowed
View Virginia Guide
Washington
WAMin. Liability25/50/10
PI Statute of Limitations3 years
Diminished ValueAllowed
View Washington Guide
West Virginia
WVMin. Liability25/50/25
PI Statute of Limitations2 years
Diminished ValueAllowed
View West Virginia Guide
Wisconsin
WIMin. Liability25/50/10
PI Statute of Limitations3 years
Diminished ValueAllowed
View Wisconsin Guide
Wyoming
WYMin. Liability25/50/20
PI Statute of Limitations4 years
Diminished ValueAllowed
View Wyoming Guide
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