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STATE AUTO INSURANCE LAWS GOVERNING LIABILITY COVERAGE
 |
First-party benefits |
Restrictions on lawsuits |
Thresholds for lawsuits |
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"True" No-Fault |
Compulsory |
Optional |
Yes |
No |
Monetary |
Verbal |
| Colorado |
X
|
X
|
X
|
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| Florida |
X
|
X
|
X
|
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| Hawaii |
X
|
X
|
X
|
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| Kansas |
X
|
X
|
X
|
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| Kentucky |
X
|
X
|
X
(1)
|
X
(1)
|
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| Massachusetts |
X
|
X
|
X
|
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| Michigan |
X
|
X
|
X
|
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| Minnesota |
X
|
X
|
X
|
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| New Jersey |
X
|
X
|
X
(1)
|
X
(1,2)
|
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| New York |
X
|
|
X
|
|
|
X
|
| North Dakota |
X
|
X
|
X
|
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| Pennsylvania |
X
|
X
|
X
(1)
|
X
(1)
|
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| Utah |
X
|
X
|
X
|
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| Puerto Rico |
X
|
X
|
X
|
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| Add-on |
|
|
|
|
|
|
| Arkansas |
X
|
X
|
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| Delaware |
X
|
X
|
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| D.C. |
X
|
X
(3)
|
X
(3)
|
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| Maryland |
X
|
X
|
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| New Hampshire |
X
|
X
|
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| Oregon |
X
|
X
|
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| South Dakota |
X
|
X
|
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| Texas |
X
|
X
|
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| Virginia |
X
|
X
|
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| Washington |
X
|
X
|
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| Wisconsin |
X
|
X
|
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(1) “Choice” no-fault state. Policyholder can choose a policy based on the no-fault system or traditional tort liability. (2) Verbal threshold for the Basic Liability Policy and the Standard Policy where the policyholder chooses no-fault. The Basic Policy contains lower amounts of coverage. (3) The District of Columbia is neither a true no-fault nor add-on state. Drivers are offered the option of no-fault or fault-based coverage, but in the event of an accident a driver who originally chose no-fault benefits has 60 days to decide whether to receive those benefits or file a claim against the other party. Source: American Insurance Association. |
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