State-Specific Law Guides
Every state has different accident laws. These guides explain how state rules affect your claim.
Complete guides at CollisionHelp.org →
Core State-Specific Guides
Total Loss Thresholds by State
State-by-state threshold comparison. 70%, 75%, 80%, 100%, and TLF states explained with specific rules.
State Insurance Requirements
Minimum liability by state. No-fault vs. at-fault, PIP requirements, and coverage mandates.
Repair Rights by State
Shop choice and parts laws. State anti-steering regulations and OEM disclosure requirements.
Fault Systems by State
Comparative vs. contributory negligence. Complete state-by-state fault system breakdown.
Quick State Classification
| Category | States | Key Impact |
|---|---|---|
| Contributory (Strict) | AL, DC, MD, NC, VA | Any fault = $0 |
| No-Fault | FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, UT | PIP pays first |
| Pure Comparative | AK, AZ, CA, KY, LA, MS, MO, NM, NY, RI, SD, WA | Most flexible |
| Modified Comparative | 34 states | 51% fault cap |
State Filing Deadlines
Statute of Limitations Varies Widely
| Years | States |
|---|---|
| 1 Year | KY, LA, TN |
| 2 Years | CA, TX, PA, OH, GA, IL, AZ, AL, AK, DE, KS, OR, UT, VA, WV |
| 3 Years | NY, MI, NC, SC, MD, AR, CO, CT, DC, IA, MA, MT, NE, NV, NH, NM, OK, RI, SD, VT, WI |
| 4+ Years | FL (4), WY (4), ME (6), MN (6), ND (6) |
Miss your state's deadline = lose your claim forever.
Find Your State
Top 10 States Quick Links
- California — Pure Comparative, 15/30/5, 2 year deadline
- Texas — Modified 51%, 30/60/25, 2 year deadline
- Florida — No-Fault + Modified 51%, 10/20/10 + PIP, 4 year deadline
- New York — No-Fault + Pure Comparative, 25/50/10 + PIP, 3 year deadline
- Pennsylvania — Choice No-Fault, 15/30/5, 2 year deadline
- Illinois — Modified 51%, 25/50/20, 2 year deadline
- Ohio — Modified 51%, 25/50/25, 2 year deadline
- Georgia — Modified 50%, 25/50/25, 2 year deadline
- North Carolina — Contributory, 30/60/25, 3 year deadline
- Michigan — No-Fault + Modified 51%, 50/100/10 + PIP, 3 year deadline
Complete State Law Database
Find your state's specific accident laws and requirements.
Browse All 50 States