This chapter will list the coverages auto insurance companies must offer in each state. It will also list the coverages that are mandatory in each state and the ones you may reject, either verbally or in writing.
ALABAMA
Minimum liability limits: $20,000 per person, $40,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. You may also purchase a $50,000 bond or place $50,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a self-insurance exemption from the insurance, bond, or deposit
requirement. Alabama is not a nofault state and does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per accident for bodily injury. Uninsured motorist bodily injury coverage includes underinsured motorist bodily injury coverage. You may reject this coverage either verbally or in writing. There are no stated minimum requirements for uninsured motorist property damage coverage - your insurance company is not required to offer this coverage to you.

ALASKA
Minimum liability limits: $50,000 per person, $100,000 per accident for bodily injury liability, $25,000 per accident for property damage liability. Alaska allows self-insurance for fleet vehicles. Alaska is not a no-fault state and does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $50,000 per person, $100,000 per accident for bodily injury, $25,000 for uninsured motorist property damage. Uninsured motorist bodily injury coverage includes underinsured motorist bodily injury coverage. You may reject uninsured motorist bodily injury and uninsured motorist property damage in writing.
ARIZONA
Minimum liability limits: $15,000 per person, $30,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. You may also purchase a bond or place $40,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit requirement. Arizona is not a nofault state and does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $15,000 per person, $30,000 per accident for bodily injury. You may reject this coverage in writing.
There are no stated minimum requirements for uninsured motorist property damage coverage your insurance company is not required to offer this coverage to you. Minimum underinsured motorist limits:

$15,000 per person, $30,000 per accident for bodily injury. You may reject this coverage in writing.
ARKAN SAS
Minimum liability limits: $25,000 per person, $50,000 per accident for bodily injury liability, $25,000 per accident for property damage liability. You may also purchase a bond or place $75,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit requirement.
Minimum personal injury protection coverage: $5,000 per person for medical and hospital expenses; 70 percent of lost wages, up to $140 per week for 52 weeks; $5,000 for accidental death; $70 per week for replacement services.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per accident for bodily injury, $25,000 per accident for uninsured motorist property damage. You may reject this coverage in writing. Minimum underinsured motorist limits: $25,000 per person, $50,000 per accident for bodily injury. You may reject this coverage in writing.
CALIFORNIA
Minimum liability limits: $15,000 per person, $30,000 per accident for bodily injury liability, $5,000 per accident for property damage liability.
If you meet certain income restrictions, you may also qualify for a low cost policy with limits of $10,000 per person and $20,000 per accident for bodily injury liability and $3,000 for property damage
liability. You may also purchase a bond or place a deposit with the Department of Motor Vehicles for an amount determined by the Department, in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a self-insurance exemption from the insurance, bond, or deposit requirement. California is not a no-fault state and does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $15,000 per person, $30,000 per accident for bodily injury, actual cash value or $3,500 (whichever is less) for uninsured motorist property damage. Uninsured motorist bodily injury coverage includes underinsured motorist bodily injury coverage. You may reject uninsured motorist bodily coverage in writing and uninsured motorist property damage either verbally or in writing.
COLORADO
Minimum liability limits: $25,000 per person, $50,000 per accident for bodily injury liability, $15,000 per accident for property damage liability. You may also purchase a bond or place $35,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit requirement. Colorado is not a no-fault state and does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per accident for bodily injury, actual cash value or the cost of repairs (whichever is less) for uninsured motorist property damage.
Uninsured motorist bodily injury coverage includes underinsured
motorist bodily injury coverage. You may reject uninsured motorist bodily injury coverage in writing. Uninsured motorist property damage coverage is optional and does not require a verbal or written rejection.
CONNECTICUT
Minimum liability limits: $20,000 per person, $40,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. You may also purchase a bond or place a deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a self-insurance exemption from the insurance, bond, or deposit requirement.
Connecticut is not a no-fault state and does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per accident for bodily injury. Uninsured motorist bodily injury coverage includes underinsured motorist bodily injury coverage. You may reject this coverage in writing. There are no stated minimum requirements for uninsured motorist property damage coverage your insurance
company is not required to offer this coverage to you.
DELAWARE
Minimum liability limits: $15,000 per person, $30,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. You may also purchase a $30,000 bond or place $30,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 15 vehicles, you may claim a self-insurance exemption from the insurance, bond, or deposit
requirement.
Minimum personal injury protection coverage: $15,000 per person, $30,000 per accident for medical and hospital expenses, loss of earnings, replacement services, and survivorship benefits; $5,000 for funeral expenses.
Minimum uninsured motorist limits: $15,000 per person, $30,000 per accident for bodily injury, $10,000 per accident for uninsured motorist property damage. Uninsured motorist bodily injury coverage includes underinsured motorist bodily injury coverage. You may reject this coverage in writing.
DISTRICT OF COLUMBIA
Minimum liability limits: $15,000 per person, $30,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit requirement.
Minimum personal injury protection coverage: $50,000 for medical and rehabilitation expenses; $12,000 for loss of income, less 20 percent for taxes; all reasonable replacement services for three years; $4,000 for funeral expenses.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per accident for bodily injury, $5,000 for uninsured motorist property damage. You may not reject uninsured motorist bodily injury or uninsured motorist property damage coverage. Minimum
underinsured motorist limits: $25,000 per person, $50,000 per accident for bodily injury. You may reject this coverage either verbally or in writing.
FLORIDA
Minimum liability limits: Florida does not have a minimum requirement for bodily injury liability but requires drivers to purchase a policy with limits of at least $10,000 per accident for property damage liability or $30,000 combined bodily injury liability and property damage liability.
Minimum personal injury protection coverage: $10,000 for medical expenses and survivorship benefits.
Minimum uninsured motorist limits: $10,000 per person, $30,000 per accident for bodily injury. Uninsured motorist bodily injury coverage includes underinsured motorist bodily injury coverage. You may reject this coverage in writing. There are no stated minimum requirements for uninsured motorist property damage coverage your insurance
company is not required to offer this coverage to you.
GEORGIA
Minimum liability limits: $25,000 per person, $50,000 per accident for bodily injury liability, $25,000 per accident for property damage liability. You may also purchase a bond or place a deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own a large number of vehicles, you may claim a self-insurance exemption from the insurance, bond, or deposit requirement. Georgia
is not a no-fault state and does not allow insurers to offer personal injury protection coverage.

Minimum uninsured motorist limits: $25,000 per person, $50,000 per accident for bodily injury, $25,000 for uninsured motorist property damage. Uninsured motorist bodily injury coverage includes underinsured motorist bodily injury coverage. You may reject this coverage in writing.


HAWAII
Minimum liability limits: $20,000 per person, $40,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit requirement.
Minimum personal injury protection coverage: $10,000 per person for all personal injury protection coverages.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per accident for bodily injury, $10,000 for uninsured motorist property damage. You may reject this coverage in writing. Minimum underinsured motorist limits: $20,000 per person, $40,000 per accident for bodily injury. You may reject this coverage either verbally or in writing.


IDAHO
Minimum liability limits: $25,000 per person, $50,000 per accident for bodily injury liability, $5,000 per accident for property damage liability.
You may also purchase a $50,000 bond in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a self-insurance exemption from the insurance, bond, or deposit
requirement. Idaho is not a no-fault state and does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per accident for bodily injury. You may reject this coverage in writing.
There are no stated minimum requirements for uninsured motorist property damage coverage your insurance company is not required to offer this coverage to you. Minimum underinsured motorist limits:
Underinsured motorist bodily injury is an optional coverage. There are no stated minimum limits, and a rejection is not required.


ILLINOIS
Minimum liability limits: $20,000 per person, $40,000 per accident for bodily injury liability, $15,000 per accident for property damage liability. You may also purchase a bond or place a deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a self-insurance exemption from the insurance, bond, or deposit requirement. Illinois is not a no-fault state and does not allow insurers to offer personal
injury protection coverage.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per accident for bodily injury, $15,000 or the actual cash value of the vehicle for uninsured motorist property damage. You may not reject uninsured motorist bodily injury coverage; however, you may reject uninsured motorist property damage coverage either verbally or in writing. Minimum underinsured motorist limits: $20,000 per person,
$40,000 per accident for bodily injury. You may not reject
underinsured motorist bodily injury coverage.


INDIANA
Minimum liability limits: $25,000 per person, $50,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. You may also place $40,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own a large number of vehicles, you may claim a self-insurance exemption
from the insurance, bond, or deposit requirement. Indiana is not a nofault state and does not allow insurers to offer personal injury protection coverage. Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $10,000 for uninsured motorist property damage. You may reject this coverage in writing. Minimum underinsured motorist limits: $25,000 per person, $50,000 per accident for underinsured motorist bodily injury coverage. You may reject this coverage in writing.


IOWA
Minimum liability limits: $20,000 per person, $40,000 per accident for bodily injury liability, $15,000 per accident for property damage liability. You may also purchase a $55,000 bond or place $55,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles, you may claim a self-insurance exemption from the insurance, bond, or deposit requirement. Iowa is not a no-fault state and does not allow insurers
to offer personal injury protection coverage.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per accident for bodily injury. You may reject this coverage in writing.

There are no stated minimum requirements for uninsured motorist property damage coverage - your insurance company is not required to offer this coverage to you. Minimum underinsured motorist limits:
$20,000 per person, $40,000 per accident for underinsured motorist bodily injury. You may reject this coverage in writing.


KANSAS
Minimum liability limits: $25,000 per person, $50,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit requirement.
Minimum personal injury protection coverage: $4,500 for medical expenses; $4,500 for rehabilitation expenses; 85 percent of lost wages, up to $900 per month for one year; $25 per day for replacement services for one year; survivorship benefits equal to lost wages and rehabilitation limits; $2,000 per person for funeral expenses.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per accident for bodily injury. You may reject only the portion of this coverage that exceeds your bodily injury liability and property damage liability limits. The rejection of these excess limits must be made in writing. There are no stated minimum requirements for uninsured motorist property damage coverage - your insurance company is not required to offer this coverage to you.


KENTUCKY
Minimum liability limits: $20,000 per person, $40,000 per accident for bodily injury liability, $15,000 per accident for property damage liability. You may elect to purchase a combined limit policy with a minimum limit of $60,000 for bodily injury liability and property damage liability. You may also purchase a $55,000 bond or place $55,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles,
you may claim a self-insurance exemption from the insurance, bond, or deposit requirement.
Minimum personal injury protection coverage: $1,000 per person for medical expenses; $200 per week for lost wages; $200 per week for replacement services; $200 per week for survivor benefits; $1,000 for funeral expenses. The total of all benefits under this coverage is subject to a $10,000 maximum if minimum limits are purchased. Minimum uninsured motorist limits: $20,000 per person, $40,000 per accident for bodily injury. You may reject this coverage in writing.
There are no stated minimum requirements for uninsured motorist property damage coverage - your insurance company is not required to offer this coverage to you. Minimum underinsured motorist limits:
$20,000 per person, $40,000 per accident for underinsured motorist bodily injury. You may reject this coverage in writing.

 


LOUISIANA
Minimum liability limits: $10,000 per person, $20,000 per accident for bodily injury liability, $10,000 per accident for property damage liability. You may also purchase a bond or place $30,000 on deposit with the Division of Motor Vehicles in lieu of purchasing an insurance policy. If you own more than 25 vehicles or have $100,000 available for property damage liability, you may claim a self-insurance
exemption from the insurance, bond, or deposit requirement.
Louisiana is not a no-fault state and does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $10,000 per person, $20,000 per accident for bodily injury, $10,000 or the actual cash value of the vehicle for uninsured motorist property damage. Uninsured motorist bodily injury coverage includes underinsured motorist bodily injury coverage. You may reject this coverage in writing or select economic benefits only.


MAINE
Minimum liability limits: $50,000 per person, $100,000 per accident
for bodily injury liability, $25,000 per accident for property damage
liability. You may also place a deposit equal to the minimum policy
limits with the Division of Motor Vehicles in lieu of purchasing an
insurance policy. Medical payments limits: $1,000 per person. Maine
is not a no-fault state and does not allow insurers to offer personal
injury protection coverage.
Minimum uninsured motorist limits: $50,000 per person, $100,000 per
accident for bodily injury. Uninsured motorist bodily injury coverage
includes underinsured motorist bodily injury coverage. You may not
reject this coverage.
MARYLAND
Minimum liability limits: $20,000 per person, $40,000 per accident for
bodily injury liability, $15,000 per accident for property damage

liability. You may also use other forms of financial responsibility
approved by the Motor Vehicle Administration in lieu of purchasing an
insurance policy. In certain circumstances, you may claim a selfinsurance exemption from the insurance requirement.
Minimum personal injury protection coverage: $2,500 for medical
expenses, 85 percent of lost wages for up to three years, reasonable
replacement services for three years. The total of all coverages is
subject to a $2,500 maximum when personal injury protection
coverage is purchased at the minimum limits.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per
accident for bodily injury, $15,000 for uninsured motorist property
damage. Uninsured motorist bodily injury coverage includes
underinsured motorist bodily injury coverage. You may not reject this
coverage in writing. Your insurance company is required to offer you
uninsured motorist bodily injury at higher limits - you may waive the
higher coverage in writing.
MASSACHUSETTS
Minimum liability limits: $20,000 per person, $40,000 per accident for
bodily injury liability, $5,000 per accident for property damage liability.
You may also place $10,000 on deposit with the Division of Motor
Vehicles in lieu of purchasing an insurance policy.
Minimum personal injury protection coverage: $2,000 for medical
expenses, 75 percent of lost wages, $8,000 for replacement services,
$2,000 for funeral expenses. The total of all coverages is subject to
an $8,000 maximum when personal injury protection is purchased at
the minimum limits.

Minimum uninsured motorist limits: $20,000 per person, $40,000 per
accident for bodily injury. Uninsured motorist bodily injury coverage
includes underinsured motorist bodily injury coverage. You may not
reject this coverage.
MICHIGAN
Minimum liability limits: $20,000 per person, $40,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. You may also use other forms of financial security approved
by the Secretary of State in lieu of purchasing an insurance policy. If
you own more than 25 vehicles, you may claim a self-insurance
exemption from the insurance, bond, or deposit requirement. There is
no self-insurance exemption available for individuals who own less
than 25 vehicles.
Minimum personal injury protection coverage: Unlimited medical
expenses, 85 percent of lost wages for three years, $20 per day for
three years for replacement services, survivor benefits equal to lost
wages and replacement services benefits, $1,750 for funeral
expenses.
Minimum uninsured motorist limits: Michigan does not have any
stated provisions for uninsured motorist bodily injury or uninsured
motorist property damage coverage. Your insurer is not required to
offer you these coverages, so no rejection is required.
MINNESOTA
Minimum liability limits: $30,000 per person, $60,000 per accident for
bodily injury liability, $10,000 per accident for property damage

liability. In certain circumstances, you may claim a self-insurance
exemption from the insurance, bond, or deposit requirement.
Minimum personal injury protection coverage: $20,000 for medical
expenses, 85 percent of lost wages, $200 per week for replacement
services, $200 per week for survivor benefits, $2,000 for funeral
expenses. The total of all coverages is subject to a limit of $40,000,
and the total of all coverages other than for medical expenses is
subject to a limit of $20,000, when minimum personal injury
protection coverage is purchased.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury. You may not reject this coverage. Minimum
underinsured motorist limits: $25,000 per person, $50,000 per
accident for underinsured motorist bodily injury. You may not reject
this coverage.
MISSISSIPPI
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $25,000 per accident for property damage
liability. You may also purchase a $25,000 bond or place $25,000 on
deposit with the Division of Motor Vehicles in lieu of purchasing an
insurance policy. If you own more than 25 vehicles, you may claim a
self-insurance exemption from the insurance, bond, or deposit
requirement. Mississippi is not a no-fault state and does not allow
insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $25,000 for uninsured motorist property
damage. Uninsured motorist bodily injury coverage includes

underinsured motorist bodily injury coverage. You may reject this
coverage in writing.
MISSOURI
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. You may also place $60,000 on deposit with the Division of
Motor Vehicles in lieu of purchasing an insurance policy. If you own
more than 25 vehicles, you may claim a self-insurance exemption
from the insurance, bond, or deposit requirement. Missouri is not a
no-fault state and does not allow insurers to offer personal injury
protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury. You may not reject this coverage. There are
no stated provisions for uninsured motorist property damage
coverage - your insurance company is not required to offer this
coverage to you, so no rejection is required.
MONTANA
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. You may also purchase a bond or place a deposit with the
Division of Motor Vehicles in lieu of purchasing an insurance policy. If
you own more than 25 vehicles, you may claim a self-insurance
exemption from the insurance, bond, or deposit requirement.
Montana is not a no-fault state and does not allow insurers to offer
personal injury protection coverage.

Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury. You may reject this coverage in writing.
There are no stated provisions for uninsured motorist property
damage coverage your insurance company is not required to offer
this coverage to you, so no rejection is required.
NEBRASKA
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $25,000 per accident for property damage
liability. You may also place $75,000 on deposit with the Division of
Motor Vehicles in lieu of purchasing an insurance policy. If you own
more than 25 vehicles, you may claim a self-insurance exemption
from the insurance, bond, or deposit requirement. Nebraska is not a
no-fault state and does not allow insurers to offer personal injury
protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury. You may not reject this coverage. There are
no stated provisions for uninsured motorist property damage
coverage your insurance company is not required to offer this
coverage to you, so no rejection is required. Minimum underinsured
motorist limits: $25,000 per person, $50,000 per accident for
underinsured motorist bodily injury coverage. You may not reject this
coverage.
NEVADA
Minimum liability limits: $15,000 per person, $30,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. If you own more than ten vehicles, you may claim a self

insurance exemption from the insurance, bond, or deposit
requirement. Nevada is not a no-fault state and does not allow
insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $15,000 per person, $30,000 per
accident for bodily injury. You may reject this coverage in writing.
There are no stated provisions for uninsured motorist property
damage coverage your insurance company is not required to offer
this coverage to you, so no rejection is required.
NEW HAMPSHIRE
New Hampshire is not a compulsory insurance state; thus, there are
no minimum coverage limits.
NEW JERSEY
Minimum liability limits: $15,000 per person, $30,000 per accident for
bodily injury liability, $5,000 per accident for property damage liability.
If you own more than 25 vehicles, you may claim a self-insurance
exemption from the insurance requirement.
Minimum personal injury protection coverage: $250,000 per person
for medical expenses; $100 per week for lost wages; $12 per day for
replacement services, subject to a lifetime maximum of $4,380;
survivor benefits equal to lost wages and replacement services
benefits, less any benefits received by the victim; $1,000 for funeral
expenses.
Minimum uninsured motorist limits: $15,000 per person, $30,000 per
accident for bodily injury, $5,000 for uninsured motorist property

damage. You may not reject uninsured motorist bodily injury
coverage. Minimum underinsured motorist limits: $15,000 per person,
$30,000 per accident for underinsured motorist bodily injury
coverage. You may not reject this coverage.
NEW MEXICO
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. You may also purchase a $60,000 bond or place $60,000 on
deposit with the Division of Motor Vehicles in lieu of purchasing an
insurance policy. In certain circumstances, you may claim a
selfinsurance exemption from the insurance, bond, or deposit
requirement. New Mexico is not a no-fault state and does not allow
insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $10,000 for uninsured motorist property
damage. Uninsured motorist bodily injury coverage includes
underinsured motorist bodily injury coverage. You may reject this
coverage in writing.
NEW YORK
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability, $50,000 per person, $100,000 per accident for wrongful
death liability. You may also purchase a bond or place a $25,000
deposit with the Division of Motor Vehicles in lieu of purchasing an
insurance policy. If you own more than 25 vehicles, you may claim a

self-insurance exemption from the insurance, bond, or deposit
requirement.
Minimum personal injury protection coverage: Unlimited medical
expenses for one year, 80 percent of lost wages up to $2,000 per
month for up to three years, $25 per day for replacement services for
one year, survivor benefit of $2,000. The total of all coverages is
subject to a limit of $50,000 if minimum personal injury protection
limits are purchased.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, plus $50,000 per person, $100,000 per
accident for wrongful death. You may not reject this coverage. There
are no stated provisions for uninsured motorist property damage
coverage - your insurance company is not required to offer this
coverage to you, so no rejection is required.
NORTH CAROLINA
Minimum liability limits: $30,000 per person, $60,000 per accident for
bodily injury liability, $25,000 per accident for property damage
liability. You may also purchase a bond equal to the amount of the
minimum bodily injury and property damage liability limits or place
$85,000 on deposit with the Division of Motor Vehicles in lieu of
purchasing an insurance policy. If you own more than 25 vehicles,
you may claim a self-insurance exemption from the insurance, bond,
or deposit requirement. North Carolina is not a no-fault state and
does not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $30,000 per person, $60,000 per
accident for bodily injury, $25,000 for uninsured motorist property

damage. You may reject this coverage in writing. Minimum
underinsured motorist limits: $30,000 per person, $60,000 per
accident for underinsured motorist bodily injury coverage.
Underinsured motorist bodily injury is mandatory on policies with
uninsured motorist limits greater than the minimum limits and cannot
be rejected on these policies.
NORTH DAKOTA
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $25,000 per accident for property damage
liability. In certain circumstances, you may claim a self-insurance
exemption from the insurance, bond, or deposit requirement.
Minimum personal injury protection coverage: $30,000 for medical
expenses, 85 percent of lost wages up to $150 per week, $15 per day
for replacement services, $15 per day for survivor benefits, $3,500 for
funeral expenses. The total of all coverages is subject to a $30,000
limit if minimum personal injury protection limits are purchased.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury. You may not reject this coverage. There are
no stated provisions for uninsured motorist property damage
coverage your insurance company is not required to offer this
coverage to you, so no rejection is required. Minimum underinsured
motorist limits: $25,000 per person, $50,000 per accident for
underinsured motorist bodily injury coverage. You may not reject this
coverage.
OHIO
Minimum liability limits: $12,500 per person, $25,000 per accident for
bodily injury liability, $7,500 per accident for property damage liability.
You may also purchase a $30,000 bond or place $30,000 on deposit
with the Bureau of Motor Vehicles in lieu of purchasing an insurance
policy. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit
requirement. Ohio is not a no-fault state and does not allow insurers
to offer personal injury protection coverage.
Minimum uninsured motorist limits: $12,500 per person, $25,000 per
accident for bodily injury, $7,500 for uninsured motorist property
damage. Your insurance company is not required to offer uninsured
motorist bodily injury coverage but is required to make uninsured
motorist property damage coverage available on your request.
OKLAHOMA
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $25,000 per accident for property damage
liability. You may also purchase a bond in an amount equal to the
minimum bodily injury and property damage liability limits or place
$75,000 on deposit with the Division of Motor Vehicles in lieu of
purchasing an insurance policy. If you own more than 25 vehicles,
you may claim a self-insurance exemption from the insurance, bond,
or deposit requirement. Oklahoma is not a no-fault state and does not
allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury. You may reject this coverage in writing.
Uninsured motorist bodily injury coverage includes underinsured
motorist bodily injury coverage. There are no stated provisions for

uninsured motorist property damage coverage - your insurance
company is not required to offer this coverage to you, so no rejection
is required.
OREGON
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit
requirement.
Minimum personal injury protection coverage: $15,000 per person for
medical expenses incurred within one year; 70 percent of lost wages
up to $1,250 per month for one year; $5,000 for funeral expenses;
$25 per day, up to $750 total, for child care services.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $10,000 for uninsured motorist property
damage. You may not reject uninsured motorist bodily injury
coverage; however, you may reject uninsured motorist property
damage coverage in writing. Minimum underinsured motorist limits:
Must be equal to your uninsured motorist bodily injury limits. You may
not reject this coverage if your uninsured motorist bodily injury limits
are higher than the minimum bodily injury liability limits.
PENNSYLVANIA
Minimum liability limits: $15,000 per person, $30,000 per accident for
bodily injury liability, $5,000 per accident for property damage liability.

In certain circumstances, you may claim a self-insurance exemption
from the insurance, bond, or deposit requirement.
Minimum personal injury protection coverage: $5,000 per person for
medical expenses incurred within 18 months, 80 percent of lost
wages. Your insurance company must also offer coverages that
include payment for medical expenses up to $100,000; $1,100,000
for extraordinary medical expenses; lost wages of $2,500 per month,
up to $50,000; $25,000 for accidental death benefits; $2,500 for
funeral expenses. Combined optional benefits may be subject to a
total limit of $177,500.
Minimum uninsured motorist limits: $15,000 per person, $30,000 per
accident for bodily injury. You may reject this coverage in writing.
There are no stated provisions for uninsured motorist property
damage coverage - your insurance company is not required to offer
this coverage to you, so no rejection is required. Minimum
underinsured motorist limits: $15,000 per person, $30,000 per
accident for underinsured motorist bodily injury coverage. You may
reject this coverage in writing.
RHODE ISLAND
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $25,000 per accident for property damage
liability. You may also purchase a combined single limit policy with a
minimum limit of $75,000. You may also purchase a bond or place
$75,000 on deposit with the Division of Motor Vehicles in lieu of
purchasing an insurance policy. If you own more than 25 vehicles,
you may claim a selfinsurance exemption from the insurance, bond,

or deposit requirement. Rhode Island is not a no-fault state and does
not allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $25,000 per accident for uninsured motorist
property damage. You may reject this coverage in writing. Uninsured
motorist bodily injury coverage includes underinsured motorist bodily
injury coverage.
SOUTH CAROLINA
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $25,000 per accident for property damage
liability. You may also purchase a bond or place $35,000 on deposit
with the Division of Motor Vehicles in lieu of purchasing an insurance
policy. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit
requirement. South Carolina is not a no-fault state and does not allow
insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $25,000 per accident for uninsured motorist
property damage coverage. You may not reject uninsured motorist
bodily injury; however, you may reject uninsured motorist property
damage coverage in writing. Minimum underinsured motorist limits:
$25,000 per person, $50,000 per accident for underinsured motorist
bodily injury coverage. You may reject this coverage in writing.
SOUTH DAKOTA
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $25,000 per accident for property damage
liability. You may also purchase a bond or place $25,000 on deposit
with the Division of Motor Vehicles in lieu of purchasing an insurance
policy. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit
requirement.
Minimum personal injury protection coverage: $2,000 per person for
medical expenses, $60 per week for one year for lost wages, $10,000
for survivor benefits.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury. You may not reject this coverage. There are
no stated provisions for uninsured motorist property damage
coverage your insurance company is not required to offer this
coverage to you, so no rejection is required. Minimum underinsured
motorist limits: $25,000 per person, $50,000 per accident for
underinsured motorist bodily injury. You may not reject this coverage.
TENNESSEE
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. You can purchase a combined single limit policy with a
minimum limit of $60,000. You may also purchase a $60,000 bond or
place $60,000 on deposit with the Division of Motor Vehicles in lieu of
purchasing an insurance policy. If you own more than 25 vehicles,
you may claim a selfinsurance exemption from the insurance, bond,
or deposit requirement. Tennessee is not a no-fault state and does
not allow insurers to offer personal injury protection coverage.sMinimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury (or $60,000 combined single limit), $10,000
per accident for uninsured motorist property damage. You may reject
this coverage in writing. Uninsured motorist bodily injury coverage
includes underinsured motorist bodily injury coverage.
TEXAS
Minimum liability limits: $20,000 per person, $40,000 per accident for
bodily injury liability, $15,000 per accident for property damage
liability. You may also purchase a bond or place $55,000 on deposit
with the Division of Motor Vehicles in lieu of purchasing an insurance
policy. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit
requirement.
Minimum personal injury protection coverage: $2,500 for a
combination of medical expenses, lost wages, and replacement
services.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per
accident for bodily injury, $15,000 per accident for property damage.
You may reject this coverage in writing. Minimum underinsured
motorist limits: $20,000 per person, $40,000 per accident for
underinsured motorist bodily injury coverage. You may reject this
coverage in writing.
UTAH
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $15,000 per accident for property damage

liability. You may purchase a combined single limit policy with a
minimum limit of $65,000. You may also purchase a bond or place
$135,000 on deposit with the Division of Motor Vehicles in lieu of
purchasing an insurance policy. If you own more than 24 vehicles and
place a deposit with the Division of Motor Vehicles, you may claim a
self-insurance exemption from the insurance, bond, or $135,000
deposit requirement.
Minimum personal injury protection coverage: $3,000 for medical
expenses, $250 per week or 85 percent of lost wages for one year,
$25 per day for one year for replacement services, $1,500 per person
for funeral expenses, $3,000 for survivor benefits.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident (or $65,000 combined single limit) for bodily injury, the actual
cash value of the vehicle or $3,500 (whichever is less) for uninsured
motorist property damage. You may reject uninsured motorist bodily
injury coverage in writing. You may reject uninsured motorist property
damage coverage only if you have purchased collision coverage;
otherwise, this coverage is mandatory. Minimum underinsured
motorist limits: $10,000 per person, $20,000 per accident for
underinsured motorist bodily injury. You may reject this coverage in
writing.
VERMONT
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. If you have $115,000 available for bodily injury and property
damage liability, you may claim a self-insurance exemption from the

insurance requirement. Vermont is not a no-fault state and does not
allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $10,000 per accident for uninsured motorist
property damage. You may not reject uninsured motorist bodily injury
coverage or uninsured motorist property damage coverage.
Uninsured motorist bodily injury coverage includes underinsured
motorist bodily injury coverage.
VIRGINIA
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $20,000 per accident for property damage
liability. You may also purchase a bond or place a deposit with the
Division of Motor Vehicles in lieu of purchasing an insurance policy. If
you own more than 20 vehicles, you may claim a self-insurance
exemption from the insurance, bond, or deposit requirement. If you
do not purchase an insurance policy, you must pay a $500 uninsured
motorist fee to register your vehicle.
Minimum personal injury protection coverage: $2,000 per person for
medical and funeral expenses, $100 per week for lost wages for one
year.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $20,000 per accident for uninsured motorist
property damage. You may not reject this coverage in writing.
Uninsured motorist bodily injury coverage includes underinsured
motorist bodily injury coverage.

WASHINGTON
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. You may also deposit a $55,000 Certificate of Deposit with
the Division of Motor Vehicles in lieu of purchasing an insurance
policy. If you own more than 25 vehicles, you may claim a selfinsurance exemption from the insurance, bond, or deposit
requirement.
Minimum personal injury protection coverage: $10,000 for medical
and hospital expenses; $200 per week for lost wages, up to $10,000;
$200 per week for replacement services, up to $5,000; $2,000 for
funeral expenses.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $10,000 per accident for uninsured motorist
property damage. You may reject uninsured motorist bodily injury
coverage in writing; however, you may reject uninsured motorist
property damage coverage only if you have purchased
comprehensive and collision coverage. Uninsured motorist bodily
injury coverage includes underinsured motorist bodily injury
coverage.
WEST VIRGINIA
Minimum liability limits: $20,000 per person, $40,000 per accident for
bodily injury liability, $10,000 per accident for property damage
liability. You may also place $40,000 on deposit with the Division of
Motor Vehicles in lieu of purchasing an insurance policy. If you own
more than 25 vehicles, you may claim a self-insurance exemption

from the insurance, bond, or deposit requirement. West Virginia is not
a no-fault state and does not allow insurers to offer personal injury
protection coverage.
Minimum uninsured motorist limits: $20,000 per person, $40,000 per
accident for bodily injury, $10,000 per accident for property damage.
You may not reject this coverage. Minimum underinsured motorist
limits: $20,000 per person, $40,000 per accident for underinsured
motorist bodily injury coverage. You may reject this coverage in
writing.
WISCONSIN
Wisconsin is not a compulsory insurance state; thus, there are no
minimum coverage requirements.
WYOMING
Minimum liability limits: $25,000 per person, $50,000 per accident for
bodily injury liability, $20,000 per accident for property damage
liability. You may also purchase a bond in an amount equal to the
minimum bodily injury and property damage liability limits or place
$25,000 on deposit with the Division of Motor Vehicles in lieu of
purchasing an insurance policy. If you own more than 25 vehicles,
you may claim a self-insurance exemption from the insurance, bond,
or deposit requirement. Wyoming is not a no-fault state and does not
allow insurers to offer personal injury protection coverage.
Minimum uninsured motorist limits: $25,000 per person, $50,000 per
accident for bodily injury, $20,000 per accident for property damage.
You may reject this coverage in writing. Uninsured motorist bodily

injury coverage includes underinsured motorist bodily injury
coverage.

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