All drivers in the state must have car insurance, with policies that meet minimum requirements for coverage. 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 have uninsured and underinsured motorist coverage (UM/UIM) with minimum liability limits of $25,000 per person and $50,000 per accident. This provides protection if you are injured in a hit-and-run accident, or in a crash with a driver who either has no insurance or not enough insurance to cover your damages.
In a serious car accident, damages can add up quickly and easily exceed the minimum amounts of coverage. That’s why it’s recommended that all drivers buy insurance with higher liability limits.
There are also optional types of coverage available for additional protection. These include:
- Medical payments coverage (MedPay), which pays for medical expenses if you or your passengers are injured in an accident
- Personal injury protection (PIP), which helps pay for medical expenses, lost wages, and other costs for you and your passengers
- Collision, which pays for damage to your own vehicle from an accident
- Comprehensive, which pays for damage to your own vehicle from events such as theft, natural disasters, and fire.