All drivers in the state are required to have car insurance with policies that meet minimum liability requirements. These requirements include:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident.
All drivers are also required to carry uninsured motorist coverage with minimum liability limits of $25,000 for bodily injury per person and $50,000 for bodily injury per accident. This applies if you are hurt in an accident caused by a driver who does not have insurance, or does not have enough insurance to cover your damages. It also applies to hit-and-run accidents.
It is recommended that drivers carry policies that have higher liability limits, and the damages suffered in a car accident can be very substantial.
There are also optional types of coverage available that can provide further protection. These include:
- Medical payments (MedPay) – This can help pay for medical expenses for you and any passengers who were injured in an accident.
- Collision – This can help pay for damage to your car resulting from a collision with another vehicle or object.
- Comprehensive – This can help pay for damage to your vehicle that is caused by other events, such as theft, fire, natural disasters, or vandalism.