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Documenting Your Claim: Insurance Amounts

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
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