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1. Bodily
Injury Liability Auto Insurance Coverage
For
injuries the policy holder causes to someone else. This happened
when the policy holder car hit someone. The auto insurance company
will cover this when you choose this option.
2. Medical
Payments or Personal Injury Protection (PIP)
For
treatment of injuries to the driver and passengers of the policyholder's
car. At its broadest, PIP can cover medical payments, lost wages
and the cost of replacing services normally performed by someone
injured in an auto accident. This is one of the most important option
in the auto insurance, make sure you select this when you request
for a quote. Visit Insurance
Tracker for comparison quote.
3. Property
Damage Liability
For
damage the policyholder caused to someone else's property. This
happened when the policy holder car hit and damage someone's property.
The auto insurance company covers this when you choose this option.
4.
Collision
For
damage to the policyholder's car from a collision. The collision
could be with another car, a light post, fire hydrant, etc. Please
review the description of the auto insurance policy once you get
the cheapest auto insurance quote from InsureCom
and others - see the bottom of this page to see list of auto insurance
providers.
5.
Comprehensive Auto Insurance Coverage
For damage to the
policyholder's car that doesn't involve a collision with another car. Covered risks
include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and
civil commotion.
6.
Uninsured Motorist Coverage
For treatment of
policyholder's injuries as a result of collision with an uninsured driver. Underinsured
motorist coverage can also be included in an auto policy. Underinsured motorist coverage
comes into play when an at-fault driver has auto liability insurance, but the limit of
insurance is inadequate to pay for your damages.
Each state requires
that you have certain types of coverages with minimum liability limits. The insurance
industry recommends that your bodily injury liability limits be $100,000 per person and
$300,000 per occurrence.
| State |
Insurance Required |
Minimum Liability Limits* |
| AL |
Bodily Injury & Property
Damage Liability (effective 6/2000) |
20/40/10 |
| AK |
Bodily Injury & Property
Damage Liability |
50/100/25 |
| AZ |
Bodily Injury & Property
Damage Liability |
15/30/10 |
| AR |
Bodily Injury & Property
Damage Liability |
25/50/15 |
| CA |
Bodily Injury & Property
Damage Liability |
15/30/5f(m) |
| CO |
Bodily Injury & Property
Damage Liability, Personal
Injury Protection |
25/50/15 |
| CT |
Bodily Injury & Property
Damage Liability, Uninsured Motorist, Underinsured Motorist |
20/40/10 |
| DE |
Bodily Injury & Property
Damage Liability, Personal Injury Protection |
15/30/5(j) |
| DC |
Bodily Injury & Property
Damage Liability, Uninsured Motorist |
25/50/10 |
| FL |
Property Damage Liability,
Personal Injury Protection |
10/20/10 |
| GA |
Bodily Injury & Property
Damage Liability |
15/30/10 |
| HI |
Bodily Injury & Property
Damage Liability, Personal Injury Protection |
20/40/10 |
| ID |
Bodily Injury & Property
Damage Liability |
25/50/15 |
| IL |
Bodily Injury & Property
Damage Liability, Uninsured Motorist |
20/40/15 |
| IN |
Bodily Injury & Property
Damage Liability |
25/50/10 |
| IA |
Bodily Injury & Property
Damage Liability |
20/40/15 |
| KS |
Bodily Injury & Property
Damage Liability, Personal Injury Protection, Uninsured Motorist |
25/50/10 |
| KY |
Bodily Injury & Property
Damage Liability, Personal Injury Protection |
25/50/10 |
| LA |
Bodily Injury & Property
Damage Liability |
10/20/10 |
| ME |
Bodily Injury & Property
Damage Liability, Uninsured Motorist, Underinsured Motorist(n) |
50/100/25(k) |
| MD |
Bodily Injury & Property
Damage Liability, Personal Injury Protection (may be waived for the policyholder but
compulsory for passengers), Uninsured Motorist |
20/40/10 |
| MA |
Bodily Injury & Property
Damage Liability, Personal Injury Protection, Uninsured Motorist |
20/40/5 |
| MI |
Bodily Injury & Property
Damage Liability, Personal Injury Protection |
20/40/10 |
| MN |
Bodily Injury & Property
Damage Liability, Personal Injury Protection, Uninsured Motorist, Underinsured Motorist |
30/60/10 |
| MS |
Financial Responsibility Only |
10/20/5 |
| MO |
Bodily Injury, Property Damage
Liability, Uninsured Motorist |
25/50/10 |
| MT |
Bodily Injury & Property
Damage Liability |
25/50/10 |
| NE |
Bodily Injury & Property
Damage Liability |
25/50/25 |
| NV |
Bodily Injury & Property
Damage Liability |
15/30/10 |
| NH |
Financial Responsibility Only,
UM |
25/50/25 |
| NJ |
Bodily Injury & Property
Damage Liability, Personal Injury Protection, Uninsured Motorist |
15/30/5(1) |
| NM |
Bodily Injury & Property
Damage Liability |
25/50/10 |
| NY |
Bodily Injury & Property
Damage Liability, Personal Injury Protection, Uninsured Motorist |
25/50/10* (50/100 if the injury results
in death) |
| NC |
Bodily Injury & Property
Damage Liability |
25/50/15 |
| ND |
Bodily Injury & Property
Damage Liability, Personal Injury Protection, Uninsured Motorist |
25/50/25 |
| OH |
Bodily Injury & Property
Damage Liability |
12.5/25/7.5 |
| OK |
Bodily Injury & Property
Damage Liability |
10/20/10 |
| OR |
Bodily Injury & Property
Damage Liability, Personal Injury Protection, Uninsured Motorist |
25/50/10 |
| PA |
Bodily Injury & Property
Damage Liability, Medical Payments |
15/30/5 |
| RI |
Bodily Injury & Property
Damage Liability, Uninsured Motorist |
25/50/25 |
| SC |
Bodily Injury & Property
Damage Liability, Uninsured Motorist |
15/30/10 |
| SD |
Bodily Injury & Property
Damage Liability, Uninsured Motorist |
25/50/25 |
| TN |
Financial Responsibility Only |
25/50/10 |
| TX |
Bodily Injury & Property
Damage Liability |
20/40/15 |
| UT |
Bodily Injury & Property
Damage Liability, Personal Injury Protection |
25/50/15 |
| VT |
Bodily Injury & Property
Damage Liability, Uninsured Motorist, Underinsured Motorist |
25/50/10 |
| VA |
Bodily Injury & Property
Damage Liability, Uninsured Motorist |
25/50/20 |
| WA |
Bodily Injury & Property
Damage Liability |
25/50/10 |
| WV |
Bodily Injury & Property
Damage Liability, Uninsured Motorist |
20/40/10 |
| WI |
Financial Responsibility Only,
Uninsured Motorist |
25/50/10 |
| WY |
Bodily Injury & Property
Damage Liability |
25/50/20 |
* The first two figures refer
to bodily injury liability limits and the third figure refers to property damage
liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in
an accident, subject to a limit of $20,000 for one individual and $10,000 coverage for
property damage. |
