AUTO INSURANCE POLICY

Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.

1. Bodily Injury Liability
For injuries the policyholder causes to someone else.

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.

3. Property Damage Liability
For damage the policyholder caused to someone else’s property.

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.

5. Comprehensive 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 required state limits are listed in the table below.

If you lease a vehicle, the lease company will require that you carry at least $100,000 per person and $300,000 per occurence.

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

15/30/5

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

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, Underinsured 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

source: Insurance Information Institute

*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.