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Car and Motorcycle Insurance Laws by State

Everyone knows that you need to buy car insurance and motorcycle insurance from insurance companies depending upon your vehicle.

Liability insurance is needed for the bodily injury and property damage you may cause or other related harm in a motor vehicle accident.

Note, some states do not require you to obtain insurance coverage or liability coverage.

In that case, you would have to show you have the requisite financial responsibility to afford to pay for the bodily injury and property damage that you cause through a surety, deposit, or other means.

Our attorneys at Rosenfeld Injury Lawyers LLC work with victims of motor vehicle accidents to determine what motorcycle insurance coverage or car insurance coverage applies to their case.

The following sections discuss this in more detail and examine state rules for liability insurance and liability coverage relate to bodily injury and property damage.

Car and Motorcycle Insurance Laws by State

Most states demand liability coverage and personal injury protection for bodily injury and property destruction. You will need a motorcycle insurance policy or car liability insurance policy that covers the following scenarios: personal injury damage in general, personal injury damage for one accident, and property damage for one accident.

Here is a list of these requirements by state for property damage coverage, bodily injury liability coverage, and similar info.

State Liability Insurance Coverage Requirement Type Coverage Amounts
Alabama Bodily Injury and Property Damage Liability 25/50/25
Alaska Bodily Injury and Property Damage Liability 50/100/25
Arizona Bodily Injury and Property Damage Liability 15/30/10
Arkansas Bodily Injury and Property Damage Liability 25/50/25
California Bodily Injury and Property Damage Liability 15/30/5
Colorado Bodily Injury and Property Damage Liability 25/50/15
Connecticut Bodily Injury and Property Damage Liability; Uninsured; Underinsured 20/40/10
Delaware Bodily Injury and Property Damage Liability; Personal Injury Protection 15/30/10
D.C. Bodily Injury and Property Damage Liability; Uninsured; Underinsured 25/50/10
Florida Bodily Injury and Property Damage Liability; Personal Injury Protection 10/20/10
Georgia Bodily Injury and Property Damage Liability 25/50/10
Hawaii Bodily Injury and Property Damage Liability; Personal Injury Protection 20/40/10
Idaho Bodily Injury and Property Damage Liability 25/50/10
Illinois Bodily Injury and Property Damage Liability; Uninsured 25/50/20
Indiana Bodily Injury and Property Damage Liability; Uninsured 25/50/10
Iowa Bodily Injury and Property Damage Liability; Uninsured 25/40/15
Kansas Bodily Injury and Property Damage Liability; Personal Injury Protection; Uninsured 25/50/25
Kentucky Bodily Injury and Property Damage Liability; Personal Injury Protection 25/50/10
Louisiana Bodily Injury and Property Damage Liability 15/30/25
Maine Bodily Injury and Property Damage Liability; Uninsured; Underinsured 25/100/25
Maryland Bodily Injury and Property Damage Liability; Personal Injury Protection; Uninsured 30/60/10
Massachusetts Bodily Injury and Property Damage Liability; Personal Injury Protection; Uninsured 20/40/5
Michigan Bodily Injury and Property Damage Liability; Personal Injury Protection; 20/40/10
Minnesota Bodily Injury and Property Damage Liability; Personal Injury Protection; Uninsured; Underinsured 30/60/10
Mississippi Bodily Injury and Property Damage Liability 25/50/25
Missouri Bodily Injury and Property Damage Liability; Uninsured 25/50/10
Montana Bodily Injury and Property Damage Liability 25/50/10
Nebraska Bodily Injury and Property Damage Liability 25/50/25
Nevada Bodily Injury and Property Damage Liability 15/30/10
New Hampshire Bodily Injury and Property Damage Liability 25/50/25
New Jersey Bodily Injury and Property Damage Liability; Personal Injury Protection; Uninsured 15/30/5
New Mexico Bodily Injury and Property Damage Liability 25/50/10
New York Bodily Injury and Property Damage Liability; Personal Injury Protection; Uninsured 25/50/10
North Carolina Bodily Injury and Property Damage Liability 30/60/25
North Dakota Bodily Injury and Property Damage Liability; Personal Injury Protection; Uninsured 25/50/25
Ohio Bodily Injury and Property Damage Liability 25/50/35
Oklahoma Bodily Injury and Property Damage Liability 25/50/25
Oregon Bodily Injury and Property Damage Liability; Personal Injury Protection; Uninsured 25/50/25
Pennsylvania Bodily Injury and Property Damage Liability; Personal Injury Protection 15/30/5
Rhode Island Bodily Injury and Property Damage Liability; Uninsured 25/50/25
South Carolina Bodily Injury and Property Damage Liability; Uninsured 25/50/25
South Dakota Bodily Injury and Property Damage Liability; Uninsured 25/50/25
Tennessee Bodily Injury and Property Damage Liability 25/50/15
Texas Bodily Injury and Property Damage Liability 30/60/25
Utah Bodily Injury and Property Damage Liability; Personal Injury Protection 25/65/15
Vermont Bodily Injury and Property Damage Liability; Uninsured; Underinsured 25/50/10
Virginia Mandatory Minimum 25/50/20
Washington Bodily Injury and Property Damage Liability 25/50/10
West Virginia Bodily Injury and Property Damage Liability; Uninsured 25/50/25
Wisconsin Bodily Injury and Property Damage Liability 25/50/10
Wyoming Bodily Injury and Property Damage Liability 25/50/20

 

If you have questions about your motorcycle insurance, personal injury protection, or car insurance from any insurance company, then give us a call to talk about your liability insurance issues.

What Bodily Injury and Property Damage and other Losses Will Insurance Cover?

Calculating the exact amount of damages and financial compensation in a car or motorcycle crash case can be hard and often requires the expertise of economists, lawyers, and other professional.

Most fatal or serious cases are resolved through a negotiated settlement process outside of court where the case was resolved for an agreed-upon amount.

  • Economic Damages: Out of pocket losses like medical expenses, medical payments, lost wages, etc.
  • Non-Economic Damages: Intangible damage such as scarring, lost life normalcy, handicap, lost self-esteem, etc.
  • Punitive Damages: Loss from wanton and reckless actions like drinking and driving, riding a while texting, etc.
  • Wrongful Death Damages: The pain and harm from losing a loved one in a terrible accident and accompanying costs like funeral expenses, lost support, etc.

*Note, some of these are only available through case or settlement, and not insurance.

We can check the state law or state laws that apply if an automobile owner, motorcycle owners, or motorcycle riders or other owners of motor vehicles (like trucks) that harmed you.

Their auto policy, motorcycle policy, or car insurance policy might pay benefits per person for one accident and we can determine what that coverage pays and what the liability limits are.

How an Attorney Can Help with Your Insurance Claim

Your car accident lawyers will need to gather evidence, investigate the dispute, talk to eyewitnesses, take depositions, and exchange the discovery with defense attorneys.

At some point, your lawyer will schedule negotiations to settle the case out of court by showing the claims adjuster or defendant’s attorneys why their client is entitled to compensation in an amount that has been accurately calculated.

Your attorney can pursue financial compensation for several things, including the following:

  • Medical bills
  • Lost wages
  • Property damage
  • Pain and suffering
  • Disability/disfigurement
  • If wrongful death: lost support, lost companionship, funeral and burial expenses.

Call us if you have got a new motorcycle and want to discuss insurance requirements and other topics like self insurance, pip coverage, how to save money on minimum limits or mandatory minimums (minimum amount).

Things You Need to Do after a Car Crash or Motorcycle Accident?

If you are involved in a motor vehicle accident, there are steps you should take to protect your future claim and be able to collect on a motorcycle insurance policy or a car insurance policy from an insurance company for property damage coverage or bodily injury coverage as well as personal injury protection, uninsured motorist insurance coverage, etc..

Right from the beginning, the at fault party will move to try and squash your (or the person injured especially if it was guest passenger liability) ability to receive financial compensation so take caution and act smart.

Here are some steps we typically recommend to personal injury victims of motor vehicle collisions:

  • First, seek medical attention.
  • Second, hire a qualified car accident lawyer.
  • Third, make a record of the accident.
  • Fourth, contact your employer.

Of course, this is just a start and there will be other things you should do and steps you need to take.  Talk with your car accident lawyer about coming up with the right plan of attack for your case today!

We can discuss with you or the person injured important topics including car and motorcycle insurance requirements per person, uninsured motorist coverage, financial responsibility and required coverage pays for occurrence property damage liability and property damage coverage, bodily injury liability and bodily injury coverage from an insurance company, personal injury protection, etc. for all car and motorcycle riders.

Car Accident and Motorcycle Crash Cases

Read the following summaries to get a better sense of car insurance and motorcycle insurance and how they apply to motor vehicle accidents.

$2,500,000 Motorcycle Settlement:

This incident occurred on the streets of Chicago. A man in his late fifties was driving through the intersection of Lehigh and Hiawatha when a truck popped out right in front of him. Apparently, the trucker did not yield to him and left the stop sign area too soon.

The motorcyclist slammed into the side of him causing a fatal motorcycle crash. This case for wrongful death claims was brought on behalf of his surviving family members including mother and siblings.

They filed a claim for damages, injuries, loss of companionship, pain and suffering, and compensation under Illinois personal injury and wrongful death law.

Apparently, the defendant was working at the time of the fatal motorcycle crash. The plaintiffs were then able to deal directly with that business’ insurance company for relief. They settled for a reported $2.5 million.

If you want to know how to successfully complete and provide proof of the minimum mount of insurance requirements for a new motorcycle or car or other motor vehicles.

Coverage options may seem daunting but we can help you reach the state minimum liability limit for collision coverage and financial responsibility.

$495,000 Car Crash Settlement:

A young woman in her late teens was injured when her friend crashed into a pole in the Cook County suburbs of Chicago.  She sustained a concussion, broken clavicle, and other personal injuries.

They necessitated multiple surgeries (medical bills were more than $75,000).  The young girl also experienced ongoing pain and disability due to the circumstances of the motor vehicle accident.

She sued the driver for reckless driving and negligence.  The pair agreed to settle the matter for $495,000.

$800,000 Motorcycle Collision Settlement:

This recent case was brought by a family after they lost a loved one in a Chicago-area fatal motorcycle accident. The death came weeks after the collision but he could not overcome his injuries. He had a wife and kids at that tragic time.

The motorcycle rider was going down I-55 when the defendant turned left in front of him, attempting to get onto a frontage road near the exit. A collision could not be avoided despite their best efforts.

After the death, the family member as well as spouse children were left with a lot of funeral and burial expenses as well as other damages and grief.

They sought recompense in court for the extraordinary toll that this incident caused them and the defendant’s insurance carrier eventually conceded with an $800,000 settlement.

Find out now how to obtain comprehensive coverage from insurance companies for a motorcycle insurance policy (or motorcycle liability insurance) including bodily injury liability, property damage coverage, uninsured motorist insurance coverage, personal injury protection, and under-insured coverage.

$1,100,000 Auto Accident Settlement:

This unfortunate incident was as consequential as avoidable.  A truck driver was hauling a big rig that was too large for his frame when he ran a red and T-boned a 79-year-old woman in Winnebago County, Illinois.

The woman suffered a traumatic brain injury, broken hip, fractured wrist, damaged pelvix, cut open spleen, and left pneumothorax.  Doctors had to perform immediate surgery but long-term rehabilitative care was also required (medical expenses were north of $750,000).

The subsequent claim against the driver was routed to the insurance company, Progressive, that eventually settled the matter for $1.1 million.

$2,000,000 Motor Vehicle Settlement:

A man in his late sixties was hauling his tractor-trailer along Interstate eighty.  A semi-truck tried to go around him but clipped the back of his large truck in the process.  The error caused a collision and subsequent fire.  The man could not escape the flames and perished in the tragic incident.

He was survived by four children, all were adults.  They incurred almost $10,000 in funeral expenses as well as immeasurable grief and loss.

They sued the defendant trucker and the large truck company he worked for.  Despite initial protestations, the two sides were able to arrive at a settlement.  The family received $2 million in financial compensation.

Talk to our team of experienced attorneys today about the insurance company or insurance companies involved in your case and related concerns like motorcycle insurance, personal injury protection, uninsured motorist coverage, bodily injury liability, bodily injury coverage per person, motorcycle insurance requirements for motorcycle owners, self insurance, mandatory minimums, etc.

We can help motorcycle riders like you or the person injured get the assistance you need and financial compensation you deserve.

Attorneys that Can Handle Your Motorcycle or Car Insurance Claim

Rosenfeld Injury Lawyers are available to help you with your legal and insurance claims.

Call our team today to schedule an initial consultation with no obligation about your compensation claim and to learn more about the compensation that may be available to you.

We can review issues related to motorcycle insurance, insurance company claims, property damage coverage, bodily injury coverage, personal injury protection, and more.

We have assisted many victims and their families recover compensation for their medical expenses, lost wages and pain related to injuries and medical treatment suffered in a car accident. Let us to do the same for you.

Call us at 888-424-5757 to get started today.

More Resources for Motorcycle and Car Liability Coverage and Liability Insurance

https://www.findlaw.com/injury/car-accidents/car-insurance-laws-by-state.html

https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists

https://time.com/nextadvisor/insurance/car/motorcycle-insurance-coverage-cost-guide/

Common topics we review in consultations include faulty driver’s license, minimum amount, insurance requirements, pip coverage options, motorcycle owners, additional coverage, property damage coverages, medical payments, life insurance policy, uninsured coverage or optional coverages per person, how to prove financial responsibility, collision coverage, property damage liability insurance, how to carry liability insurance, liability limits, motorcycle insurance requirements, uninsured motorist coverage, and the like.