The Minimum Car Insurance Requirements by State
While minimum car insurance requirements vary across states, certain coverage types are often essential.
Liability insurance
Auto liability insurance pays when you or another driver of your vehicle cause injuries and property damage to others in an accident. Expenses that will be covered include hospital bills, physical therapy, medication, wages lost due to the injuries, and pain and suffering.
Your policy's liability limits—meaning the maximum payments from insurance—are often shown as three numbers, such as 100/300/100. This translates to:
Up to $100,000 for bodily injury per person
Up to $300,000 for bodily injury per accident
Up to $100,000 for property damage per accident
Uninsured motorist insurance
If you're hit by an uninsured driver, your uninsured motorist (UM) coverage can pay for injury-related expenses. In some states you can also buy uninsured motorist property damage coverage (UMPD) to pay for damage to your vehicle or other property.
Uninsured motorist insurance can pay for costs such as:
Your medical bills
Your lost wages due to accident injuries
Services you can no longer perform, such as house cleaning and child care
Your pain and suffering
Medical equipment such as a wheelchair
Costs to retrofit your house or vehicle for a wheelchair
Funeral expenses
Survivors' benefits to help replace your income
You can also generally make a claim on your UM coverage if you're a pedestrian and hit by an uninsured driver, or if your vehicle is damaged in a hit-and-run.
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