All drivers in the state are required to carry a minimum of 15/30/5 coverage. This means:
- $15,000 in liability insurance for injuries to a single person in a single accident
- $30,000 total liability for injuries to multiple people in a single accident
- $5,000 for property damage in a single accident
However, actual damages in an accident can easily exceed these amounts. That’s why buying insurance with higher liability limits is recommended.
There is also optional coverage available to drivers when buying insurance. This includes:
- Uninsured and underinsured motorist coverage (UM/UIM) – Some drivers either have no insurance or not enough to cover all damages if there is an accident. If you get into an accident with an uninsured or underinsured motorist, this coverage will cover the damages above their policy limits. It also applies if you are hurt in a crash caused by a hit-and-run driver who can’t be identified.
- Medical payments coverage (MedPay) – This coverage pays for medical treatment for you and any passengers in your vehicle after an accident (up to the policy limit). MedPay can be used to pay for initial medical treatment while you pursue a claim against the other driver.
- Collision and comprehensive coverage – Collision coverage pays for damages to your vehicle in an accident, no matter who was at fault. Comprehensive pays for damages from other causes, such as vandalism, natural disaster, or theft.