			
<esi:assign name="domain_name" value="$(HTTP_HOST)" />
<esi:choose>
	<esi:when test="$exists(HTTP_HOST) && $(HTTP_HOST) == 'www.insure.com'">
		<esi:assign name="domain_name" value="$str('.insure.com')" />
	</esi:when>						
</esi:choose>
<esi:choose>
	<esi:when test="$exists($(QUERY_STRING{'FB'})) && !$is_empty($(QUERY_STRING{'FB'}))">
		<esi:assign name="srch_qry" value="$replace($(QUERY_STRING{'FB'}),'&','')" />
		<esi:assign name="srch_qry" value="$replace($(QUERY_STRING{'FB'}),'+','')" />
		<esi:foreach item="urlitems" collection="$string_split($(HTTP_REFERER),'?')">
			<esi:choose>
				<esi:when test="$(urlitems_start)">
					<esi:assign name="source" value="$(urlitems)" />
				</esi:when>						
			</esi:choose>
		</esi:foreach>
	</esi:when>
	<esi:when test="$exists($(QUERY_STRING{'fb'})) && !$is_empty($(QUERY_STRING{'fb'}))">
		<esi:assign name="srch_qry" value="$replace($(QUERY_STRING{'fb'}),'&','')" />
		<esi:assign name="srch_qry" value="$replace($(QUERY_STRING{'fb'}),'+','')" />
		<esi:foreach item="urlitems" collection="$string_split($(HTTP_REFERER),'?')">
			<esi:choose>
				<esi:when test="$(urlitems_start)">
					<esi:assign name="source" value="$(urlitems)" />
				</esi:when>						
			</esi:choose>
		</esi:foreach>		
	</esi:when>
	<esi:otherwise>
		<esi:choose>
			<esi:when test="$exists(HTTP_REFERER) && !($(HTTP_REFERER) has 'http://www.insure.com') && !($(HTTP_REFERER) has 'http://autoinsurance.insure.com') && !($(HTTP_REFERER) has 'http://lifeinsurance.insure.com')">
				<esi:foreach item="urlitems" collection="$string_split($(HTTP_REFERER),'?')">
						<esi:choose>
						<esi:when test="$(urlitems_start)">
							<esi:assign name="source" value="$(urlitems)" />
						</esi:when>
						<esi:when test="$(urlitems) has 'q=' || $(urlitems) has 'p='">
							<esi:assign name="qry_str" value="$(urlitems)" />
						</esi:when>
					</esi:choose>
				</esi:foreach>
				<esi:choose>
					<esi:when test="$exists($(qry_str)) && !$is_empty($(qry_str))">
						<esi:foreach item="refitems" collection="$string_split($(qry_str),'&')">
							<esi:choose>
								<esi:when test="$len($(refitems)) > 2 && ($substr($(refitems),0,2) == 'q=' || $substr($(refitems),0,2) == 'p=')">
									<esi:assign name="srch_qry" value="$url_decode($(refitems))" />
									<esi:assign name="srch_qry" value="$replace($(srch_qry),'q=','')" />
									<esi:assign name="srch_qry" value="$replace($(srch_qry),'p=','')" />
									<esi:assign name="srch_qry" value="$lower($(srch_qry))" />
									<esi:assign name="srch_qry" value="$substr($(srch_qry),0,255)" />
									<esi:assign name="srch_qry" value="$url_encode($(srch_qry))" />
								</esi:when>
							</esi:choose>
						</esi:foreach>
					</esi:when>
			  </esi:choose>
			</esi:when>
		</esi:choose>
	</esi:otherwise>			
</esi:choose>
<esi:choose>
	<esi:when test="($(source) has 'google')">
		<esi:assign name="source" value="Google" />
	</esi:when>
	<esi:when test="($(source) has 'yahoo')">
		<esi:assign name="source" value="Yahoo" />
	</esi:when>
	<esi:when test="($(source) has 'bing')">
		<esi:assign name="source" value="Bing" />
	</esi:when>
	<esi:when test="($(source) has 'msn.com')">
		<esi:assign name="source" value="MSN" />
	</esi:when>
	<esi:when test="($(source) has 'autoinsurance.insure.com')">
		<esi:assign name="source" value="$str('Auto PPC')" />
	</esi:when>
	<esi:when test="($(source) has 'lifeinsurance.insure.com')">
		<esi:assign name="source" value="$str('Life PPC')" />
	</esi:when>
	<esi:when test="($(source) has 'comcast')">
		<esi:assign name="source" value="comcast" />
	</esi:when>
	<esi:when test="($(source) has 'ask.com')">
		<esi:assign name="source" value="Ask" />
	</esi:when>
	<esi:when test="($(source) has 'facebook')">
		<esi:assign name="source" value="Facebook" />
	</esi:when>
	<esi:when test="($(source) has 'example.com')">
		<esi:assign name="source" value="Example" />
	</esi:when>
</esi:choose>
<esi:choose>
	<esi:when test="$exists($(srch_qry)) && !$is_empty($(srch_qry))">
		$add_header('Set-Cookie', 'srchqry='+$(srch_qry)+'; expires='+$http_time($time()+1800)+'; path=/; domain='+$(domain_name)+';')
   </esi:when>
</esi:choose>

<esi:choose>
	<esi:when test="$exists($(source)) && !$is_empty($(source))">
		$add_header('Set-Cookie', 'source='+$(source)+'; expires='+$http_time($time()+1800)+'; path=/; domain='+$(domain_name)+';')
   </esi:when>
</esi:choose>
<esi:choose>
<esi:when test="$exists(REQUEST_PATH) && ($(REQUEST_PATH) has '/car-insurance')">
	<esi:choose>
	  <esi:when test="$exists($(HTTP_COOKIE{'auto_mvt'})) && !$is_empty($(HTTP_COOKIE{'auto_mvt'}))">
		<esi:assign name="form_show" value="$(HTTP_COOKIE{'auto_mvt'})" />
	  </esi:when>
	  <esi:otherwise>
			<esi:assign name="form_list">['auto_widget','auto_banner','auto_none']</esi:assign>
			<esi:assign name="index" value="$rand()%$len($(form_list))" />
			$add_header('Set-Cookie', 'auto_mvt='+$(form_list{$(index)})+'; expires='+$http_time($time()+1800)+'; path=/;  domain='+$(domain_name)+';')
			<esi:assign name="form_show" value="$(form_list{$(index)})" />
	  </esi:otherwise>
	</esi:choose>
	<esi:choose>
		<esi:when test="$(form_show)=='auto_widget'">		 
		<esi:assign name="aff" value="SHratetable" />
		<esi:assign name="dcsurl" value="SHratetable" />
		<esi:assign name="style_banner" value="none" />
		<esi:assign name="style_widget" value="block" />
		<esi:assign name="top_aff" value="top_formstart_A" />
		<esi:assign name="bottom_aff" value="bottom_form_start_A" />
	</esi:when>
	<esi:when test="$(form_show)=='auto_banner'">
		<esi:assign name="aff" value="SHBanner" />
		<esi:assign name="dcsurl" value="SHBanner" />
		<esi:assign name="style_banner" value="block" />
		<esi:assign name="style_widget" value="none" />
		<esi:assign name="top_aff" value="top_form_start_B" />
		<esi:assign name="bottom_aff" value="bottom_form_start_B" />
	</esi:when>
	<esi:otherwise>
		<esi:assign name="aff" value="SHNone" />
		<esi:assign name="dcsurl" value="SHNone" />
		<esi:assign name="style_banner" value="none" />
		<esi:assign name="style_widget" value="none" />
		<esi:assign name="top_aff" value="top_form_start_C" />
		<esi:assign name="bottom_aff" value="bottom_form_start_C" />
	</esi:otherwise>
	</esi:choose>
</esi:when>
</esi:choose>
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:fb="http://www.facebook.com/2008/fbml" xmlns:og="http://opengraphprotocol.org/schema/">
    <head>
<esi:comment text="Set up variables from either cookies or query string"/>
	    <esi:comment text="SET UUID"/>
	    <esi:choose>
		<esi:when test="$exists($(HTTP_COOKIE{'WMUUID'}))">
		    <esi:choose>

		        <esi:when test="$(HTTP_COOKIE{'WMUUID'}) matches '''^\['.*'\]$'''">
		            <esi:assign name="uuid_cookie_val" value="$(HTTP_COOKIE{'WMUUID'})" />
		            <esi:assign name="esi_wmuuid" value="$(uuid_cookie_val{0})" />
		        </esi:when>
		        <esi:otherwise>
		            <esi:assign name="esi_wmuuid" value="$(HTTP_COOKIE{'WMUUID'})" />
		        </esi:otherwise>

		    </esi:choose>
		</esi:when>
		<esi:otherwise>
		    <esi:assign name="esi_wmuuid" value="$(REMOTE_ADDR) + '-' + $time() + '.' + $rand()" />
		</esi:otherwise>
	    </esi:choose>
<esi:comment text="SET SRCCLK"/>
	    <esi:choose>
		<esi:when test="$exists($(HTTP_COOKIE{'SRCCLK'})) && !$is_empty($(HTTP_COOKIE{'SRCCLK'}))">
		    <esi:assign name="esi_srcclk" value="$(HTTP_COOKIE{'SRCCLK'})" />
		</esi:when>
	    </esi:choose>
	    <esi:choose>
		<esi:when test="$exists($(QUERY_STRING{'CURCLK'}))">
		    <esi:assign name="esi_srcclk" value="$(QUERY_STRING{'CURCLK'})" />
		</esi:when>
		<esi:when test="$exists($(QUERY_STRING{'CLK'}))">
		    <esi:assign name="esi_srcclk" value="$(QUERY_STRING{'CLK'})" />
		</esi:when>
	    </esi:choose>
<esi:comment text="SET ROOTCLK"/>
	    <esi:choose>
		<esi:when test="$exists($(HTTP_COOKIE{'ROOTCLK'})) && !$is_empty($(HTTP_COOKIE{'ROOTCLK'}))">
		    <esi:assign name="esi_rootclk" value="$(HTTP_COOKIE{'ROOTCLK'})" />
		</esi:when>
	    </esi:choose>
	    <esi:choose>
		<esi:when test="$exists($(QUERY_STRING{'CLK'}))">
		    <esi:assign name="esi_rootclk" value="$(QUERY_STRING{'CLK'})" />
		</esi:when>
	    </esi:choose>
<esi:comment text="SET ROOTCCID"/>
	    <esi:choose>
		<esi:when test="$exists($(HTTP_COOKIE{'ROOTCCID'})) && !$is_empty($(HTTP_COOKIE{'ROOTCCID'}))">
		    <esi:assign name="esi_rootccid" value="$(HTTP_COOKIE{'ROOTCCID'})" />
		</esi:when>
	    </esi:choose>
	    <esi:choose>
		<esi:when test="$exists($(QUERY_STRING{'CCID'}))">
		    <esi:assign name="esi_rootccid" value="$(QUERY_STRING{'CCID'})" />
		</esi:when>
	    </esi:choose>
<esi:comment text="SET ROOTQTR"/>
	    <esi:choose>
		<esi:when test="$exists($(HTTP_COOKIE{'ROOTQTR'})) && !$is_empty($(HTTP_COOKIE{'ROOTQTR'}))">
		    <esi:assign name="esi_rootqtr" value="$(HTTP_COOKIE{'ROOTQTR'})" />
		</esi:when>
	    </esi:choose>
	    <esi:choose>
		<esi:when test="$exists($(QUERY_STRING{'QTR'}))">
		    <esi:assign name="esi_rootqtr" value="$(QUERY_STRING{'QTR'})" />
		</esi:when>
	    </esi:choose>

	<meta name="WT.qs_dlk" content="<esi:vars>$(esi_wmuuid)</esi:vars>"/>

	<meta name="WT.qs_shmv" content="hvak20100812-twitty.sf.quinstreet.net"/>

	<meta name="inject_params" content="WT.qs_dlk=<esi:vars>$(esi_wmuuid)</esi:vars>&<esi:choose><esi:when test="$exists($(esi_srcclk)) && !$is_empty($(esi_srcclk))">SRCCLK=<esi:vars>$(esi_srcclk)</esi:vars></esi:when></esi:choose>&<esi:choose><esi:when test="$exists($(esi_rootclk)) && !$is_empty($(esi_rootclk))">ROOTCLK=<esi:vars>$(esi_rootclk)</esi:vars></esi:when></esi:choose>&<esi:choose><esi:when test="$exists($(esi_rootqtr)) && !$is_empty($(esi_rootqtr))">ROOTQTR=<esi:vars>$(esi_rootqtr)</esi:vars></esi:when></esi:choose>&<esi:choose><esi:when test="$exists($(esi_rootccid)) && !$is_empty($(esi_rootccid))">ROOTCCID=<esi:vars>$(esi_rootccid)</esi:vars></esi:when></esi:choose>&"/>

	<meta http-equiv="Set-Cookie" content="inject_params=WT.qs_dlk=<esi:vars>$(esi_wmuuid)</esi:vars>&<esi:choose><esi:when test="$exists($(esi_srcclk)) && !$is_empty($(esi_srcclk))">SRCCLK=<esi:vars>$(esi_srcclk)</esi:vars></esi:when></esi:choose>&<esi:choose><esi:when test="$exists($(esi_rootclk)) && !$is_empty($(esi_rootclk))">ROOTCLK=<esi:vars>$(esi_rootclk)</esi:vars></esi:when></esi:choose>&<esi:choose><esi:when test="$exists($(esi_rootqtr)) && !$is_empty($(esi_rootqtr))">ROOTQTR=<esi:vars>$(esi_rootqtr)</esi:vars></esi:when></esi:choose>&<esi:choose><esi:when test="$exists($(esi_rootccid)) && !$is_empty($(esi_rootccid))">ROOTCCID=<esi:vars>$(esi_rootccid)</esi:vars></esi:when></esi:choose>&; path=/;  domain=insure.com;"/>
	<meta http-equiv="Set-Cookie" content="WMUUID=<esi:vars>$(esi_wmuuid)</esi:vars>; path=/;  domain=insure.com;"/>

		    <esi:choose>
			<esi:when test="$exists($(esi_srcclk)) && !$is_empty($(esi_srcclk))">
			    <esi:vars> <meta http-equiv="Set-Cookie" content="SRCCLK=$(esi_srcclk); path=/;  domain=insure.com;"/> </esi:vars>
			</esi:when>
		    </esi:choose>
<esi:choose>
			<esi:when test="$exists($(esi_rootclk)) && !$is_empty($(esi_rootclk))">
			    <esi:vars> <meta http-equiv="Set-Cookie" content="ROOTCLK=$(esi_rootclk); path=/;  domain=insure.com;"/> </esi:vars>
			</esi:when>
		    </esi:choose>
<esi:choose>
			<esi:when test="$exists($(esi_rootccid)) && !$is_empty($(esi_rootccid))">
			    <esi:vars> <meta http-equiv="Set-Cookie" content="ROOTCCID=$(esi_rootccid); path=/;  domain=insure.com;"/> </esi:vars>
			</esi:when>
		    </esi:choose>
<esi:choose>
			<esi:when test="$exists($(esi_rootqtr)) && !$is_empty($(esi_rootqtr))">
			    <esi:vars> <meta http-equiv="Set-Cookie" content="ROOTQTR=$(esi_rootqtr); path=/;  domain=insure.com;"/> </esi:vars>
			</esi:when>
		    </esi:choose>
        <meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
				
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		<form id="auto-fs-form" action="http://o1.qnsr.com/cgi/r?WT.qs_dlk=<esi:vars>$(esi_wmuuid)</esi:vars>;<esi:choose><esi:when test="$exists($(esi_srcclk)) && !$is_empty($(esi_srcclk))">SRCCLK=<esi:vars>$(esi_srcclk)</esi:vars></esi:when></esi:choose>;<esi:choose><esi:when test="$exists($(esi_rootclk)) && !$is_empty($(esi_rootclk))">ROOTCLK=<esi:vars>$(esi_rootclk)</esi:vars></esi:when></esi:choose>;<esi:choose><esi:when test="$exists($(esi_rootqtr)) && !$is_empty($(esi_rootqtr))">ROOTQTR=<esi:vars>$(esi_rootqtr)</esi:vars></esi:when></esi:choose>;<esi:choose><esi:when test="$exists($(esi_rootccid)) && !$is_empty($(esi_rootccid))">ROOTCCID=<esi:vars>$(esi_rootccid)</esi:vars></esi:when></esi:choose>;;n=203;;c=700393;s=8622;x=7936;f=201010251419270;u=j;z=TIMESTAMP;src=175027;" method="post" class="auto_insurance">
        	        
																												
               	
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       				<h1>Minimum levels of car insurance you are required to buy</h1>          			
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			<div class="article_other_lang">Read the Spanish version:  	<a title="Cobertura m&iacute;nima requerida para seguro de auto" href="/es/seguro-de-auto/niveles-minimos-de-cobertura.html"> Cobertura m&iacute;nima requerida para seguro de auto </a></div>
<p><img style="margin: 10px; float: right;" title="minimum auto insurance" src="/imagesvr_ce/9200/buying-hands.jpg" border="0" alt="minimum auto insurance" width="300" height="225" />Most states require you have <a href="http://www.insure.com/car-insurance/">car insurance</a> and have laws that outline the minimum level of coverage you must buy.</p>
<p>However, the minimum limits your state requires may not necessarily be adequate. A car accident can cost far more than the limits mandated by most states. The Insurance Information Institute recommends you carry at least $100,000 of bodily injury protection per person and $300,000 per accident (known as 100/300).</p><p class="help_text"><a rel="nofollow" onclick="dcsMultiTrack('DCS.dcsuri','/linked-from-article-car.html');" href="http://o1.qnsr.com/cgi/r?WT.qs_dlk=<esi:vars>$(esi_wmuuid)</esi:vars>;<esi:choose><esi:when test="$exists($(esi_srcclk)) && !$is_empty($(esi_srcclk))">SRCCLK=<esi:vars>$(esi_srcclk)</esi:vars></esi:when></esi:choose>;<esi:choose><esi:when test="$exists($(esi_rootclk)) && !$is_empty($(esi_rootclk))">ROOTCLK=<esi:vars>$(esi_rootclk)</esi:vars></esi:when></esi:choose>;<esi:choose><esi:when test="$exists($(esi_rootqtr)) && !$is_empty($(esi_rootqtr))">ROOTQTR=<esi:vars>$(esi_rootqtr)</esi:vars></esi:when></esi:choose>;<esi:choose><esi:when test="$exists($(esi_rootccid)) && !$is_empty($(esi_rootccid))">ROOTCCID=<esi:vars>$(esi_rootccid)</esi:vars></esi:when></esi:choose>;;n=203;c=700393;s=8622;x=7936;f=201010251419270;u=j;z=TIMESTAMP;AFF=article_auto&src=175027;statecode=<esi:vars>$(GEO{'region_code'})</esi:vars>;" title="Insure.com">[Let Insure.com help you find affordable car insurance now.]</a></p>
<h3>What is no-fault car insurance?</h3>
<p>If your state has a "no-fault" auto insurance law, your policy must pay medical bills for you and your passengers regardless of who caused the accident. No-fault laws are intended to keep insurance fraud down.</p>
<h3>How to read auto insurance liability limits</h3>
<p>Here's how to read the following table of <a href="http://www.insure.com/car-insurance/">auto insurance</a> liability minimums.</p>
<ol>
<li><span>First number:</span> Bodily injury liability maximum for one person injured in an accident.</li>
<li><span>Second number:</span> Bodily injury liability maximum for all injuries in one accident.</li>
<li><span>Third number:</span> Property damage liability maximum for one accident.</li>
</ol>
<p>For example, if you live in New York, the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $10,000 for property damage in an accident. Plus, New York requires you to have personal injury protection (PIP) and uninsured motorist coverage (UM).</p>
<h3>Auto insurance minimums</h3>
<table class="tdY" border="1" cellspacing="0" cellpadding="0">
<tbody>
<tr>
<td width="93">State</td>
<td width="124" align="center">Liability required? Liability minimums (in thousands of dollars)</td>
<td width="84" align="center">PIP required?</td>
<td width="46" align="center">No-fault state?</td>
<td width="61" align="center">Uninsured motorist coverage required?</td>
</tr>
<tr>
<td>Alabama</td>
<td>Yes, 25/50/25</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Alaska</td>
<td>Yes, 50/100/25</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Arizona</td>
<td>Yes, 15/30/10</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Arkansas</td>
<td>Yes, 25/50/25</td>
<td>Yes</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>California (1)</td>
<td>Yes, 15/30/5</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Colorado</td>
<td>Yes, 25/50/15</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Connecticut</td>
<td>Yes, 20/40/10</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Delaware</td>
<td>Yes, 15/30/10</td>
<td>Yes</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Florida (2)</td>
<td>No, 10/20/10</td>
<td>Yes</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Georgia</td>
<td>Yes, 25/50/25</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Hawaii</td>
<td>Yes, 20/40/10</td>
<td>Yes</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Idaho</td>
<td>Yes, 25/50/15</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Illinois</td>
<td>Yes, 20/40/15</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Indiana</td>
<td>Yes, 25/50/10</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Iowa</td>
<td>Yes, 20/40/15</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Kansas</td>
<td>Yes, 25/50/10</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Kentucky</td>
<td>Yes, 25/50/10</td>
<td>Yes</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Louisiana</td>
<td>Yes, 15/30/25</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Maine (3)</td>
<td>Yes, 50/100/25</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Maryland (4)</td>
<td>Yes, 30/60/15</td>
<td>Yes</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Massachusetts</td>
<td>Yes, 20/40/5</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Michigan</td>
<td>Yes, 20/40/10</td>
<td>Yes</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Minnesota</td>
<td>Yes, 30/60/10</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Mississippi</td>
<td>Yes, 25/50/25</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Missouri</td>
<td>Yes, 25/50/10</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Montana</td>
<td>Yes, 25/50/10</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Nebraska</td>
<td>Yes, 25/50/25</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Nevada</td>
<td>Yes, 15/30/10</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>New Hampshire</td>
<td>No, FR only (7)<br /></td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>New Jersey (5)</td>
<td>Yes, 15/30/5</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>New Mexico</td>
<td>Yes, 25/50/10</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>New York (6)</td>
<td>Yes, 25/50/10</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>North Carolina</td>
<td>Yes, 30/60/25</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>North Dakota</td>
<td>Yes, 25/50/25</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td>Ohio</td>
<td>Yes, 12.5/25/7.5</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Oklahoma</td>
<td>Yes, 25/50/25</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Oregon</td>
<td>Yes, 25/50/20</td>
<td>Yes</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Pennsylvania</td>
<td>Yes, 15/30/5</td>
<td>Yes</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Rhode Island (2)</td>
<td>Yes, 25/50/25</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>South Carolina</td>
<td>Yes, 25/50/25</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>South Dakota</td>
<td>Yes, 25/50/25</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Tennessee (2)</td>
<td>Yes, 25/50/15</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Texas</td>
<td>Yes, 30/60/25<br /></td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Utah (2)</td>
<td>Yes, 25/65/15</td>
<td>Yes</td>
<td>Yes</td>
<td>No</td>
</tr>
<tr>
<td>Vermont</td>
<td>Yes, 25/50/10</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Virginia</td>
<td>Yes, 25/50/20</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Washington</td>
<td>Yes, 25/50/10</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
<tr>
<td>Washington D.C.</td>
<td>Yes, 25/50/10</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>West Virginia</td>
<td>Yes, 20/40/10</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Wisconsin</td>
<td>Yes, 50/100/55</td>
<td>No</td>
<td>No</td>
<td>Yes</td>
</tr>
<tr>
<td>Wyoming</td>
<td>Yes, 25/100/15</td>
<td>No</td>
<td>No</td>
<td>No</td>
</tr>
</tbody>
</table>
<center> <em>Source: Insurance Information Institute</em></center>
<p><span><em>1)</em></span><em> Low-cost policy limits for drivers in the California Automobile Assigned Risk Plan are 10/20/3.</em></p>
<p><em><span>(2)</span> Instead of policy limits, policyholders can satisfy the requirement with a single combined policy. Amounts vary by state.</em></p>
<p><em><span>(3)</span> In addition, policyholders must carry at least $1,000 for medical payments.</em></p>
<p><em><span>(4)</span> PIP may be waived for the policyholder but it is compulsory for passengers.</em></p>
<p><em><span>(5)</span> Basic policy (optional) limits are 10/10/5. UM/UIM coverage is not available under a basic policy but UIM is required under a standard policy.</em></p>
<p><em><span>(6)</span> In addition, policyholders must have 50/100 for wrongful death coverage.</em></p>
<p><em>(7) Must show proof of financial responsibility. </em></p>
<table border="1" width="155" align="left" bordercolor="black">
<tbody>
<tr valign="top">
<td class="relatedArticle" height="25">
<h3 style="text-align: center;">No-fault auto insurance states</h3>
</td>
</tr>
<tr valign="top">
<td>
<p style="text-align: center;"><img src="http://www.insure.com/images/articles/hands-blame.jpg" border="0" alt="no fault" width="150" align="middle" /></p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td width="145" height="24">
<p>Florida</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Hawaii</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Kansas</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Kentucky</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Massachusetts</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Michigan</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Minnesota</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>New Jersey</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>New York</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>North Dakota</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Pennsylvania</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Utah</p>
</td>
</tr>
<tr valign="center" bgcolor="#fef8d8">
<td height="24">
<p>Puerto Rico*</p>
</td>
</tr>
<tr valign="top" bgcolor="#e0e0e0">
<td>
<p style="text-align: center;"><em>Source: Insurance Information Institute. *Puerto Rico is a U.S. territory.</em></p>
</td>
</tr>
</tbody>
</table>
<h3 style="text-align: center;">Deciphering auto insurance liability across state lines</h3>
<p>If you hold the minimum <a href="http://www.insure.com/car-insurance/">automobile insurance</a> required in your state and are involved in an accident in another state that requires higher minimum coverages or other coverage (such as personal injury protection), your policy will automatically increase to meet that state's minimum coverage requirements.</p>
<p>For example, if you're a Connecticut driver (where minimum liability coverage is $20,000 of bodily injury protection per person, $40,000 of bodily injury protection per accident and $10,000 of property damage per accident, or 20/40/10, as it's often called) and are involved in an accident in New York (which requires 25/50/10 of liability coverage), your insurance will automatically extend to meet New York's requirements. This boost can be helpful, especially when you cause a large amount of property damage.</p>
<p>Some states restrict the ability of their citizens to sue one another for pain and suffering after a car accident. Puerto Rico (a U.S. territory) and 12 states have "no-fault" laws. These laws mean that your car insurance must pay for bodily injury damages no matter who's at fault in an accident. However, these same states allow their citizens to litigate against folks from other states after a car accident.</p>
<p>For example, you are limited in your ability to sue for damages if you live in Pennsylvania. When buying your auto coverage you have two choices of liability: "full tort" or "limited tort." If you choose "limited tort," you will pay less in premiums but you won't be able to sue another Pennsylvanian for pain and suffering unless you're seriously injured and your medical bills exceed a specified minimum amount. What constitutes a serious injury is outlined in your car insurance policy. If you choose full tort, your premiums will be more but you will be able to sue no matter the amount of your damages.</p>
<p>Throw out the rulebook if someone from another state crashes into you. Even if you have Pennsylvania "limited tort," you'll be able seek compensation for pain and suffering in the court system if someone from outside Pennsylvania crashes into you.</p></p>					<br class="clear_both"/>
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