Learning how much insurance coverage the at-fault driver has is a key piece to your settlement strategy. If your claim’s value exceeds the other driver’s policy limits (known as a “Policy Limits” case) then you can usually run a quick settlement and sometimes not even wait until you are done with your medical treatment. This will also give you an idea of whether you are going to have to access your own UM insurance for additional compensation.
When you talk to the adjuster handling your claim, ask him or her if they will tell you (or better yet put in writing) how much coverage the other driver has. Some States require insurance companies to disclose coverage while other States do not.
State Mandatory Minimum Coverage Amounts |
|
|---|---|
| Alabama | $20,000 |
| Alaska | $50,000 |
| Arizona | $15,000 |
| Arkansas | $25,000 |
| California | $15,000 |
| Colorado | $25,000 |
| Connecticut | $20,000 |
| District of Columbia | $10,000 |
| Delaware | $15,000 |
| Florida | $10,000 |
| Georgia | $25,000 |
| Hawaii | $20,000 |
| Idaho | $20,000 |
| Illinois | $20,000 |
| Indiana | $25,000 |
| Iowa | $20,000 |
| Kansas | $25,000 |
| Kentucky | $25,000 |
| Louisiana | $10,000 |
| Maine | $50,000 |
| Maryland | $20,000 |
| Massachusetts | $20,000 |
| Michigan | $20,000 |
| Minnesota | $30,000 |
| Mississippi | $25,000 |
| Missouri | $25,000 |
| Montana | $25,000 |
| Nebraska | $25,000 |
| Nevada | $15,000 |
| New Jersey | $15,000 |
| New Mexico | $25,000 |
| New York | $25,000 |
| North Carolina | $30,000 |
| North Dakota | $25,000 |
| Ohio | $12,000 |
| Oklahoma | $25,000 |
| Oregon | $25,000 |
| Pennsylvania | $15,000 |
| Rhode Island | $25,000 |
| South Carolina | $25,000 |
| South Dakota | $25,000 |
| Tennessee | $25,000 |
| Texas | $30,000 |
| Utah | $25,000 |
| Vermont | $25,000 |
| Virginia | $25,000 |
| Washington | $25,000 |
| West Virginia | $20,000 |
| Wisconsin | $25,000 |
| Wyoming | $25,000 |
