All 50 States Accident Laws
Find your state's specific accident laws, fault system, insurance requirements, and filing deadlines.
Complete state guides at CollisionHelp.org →
Top 10 States (By Population)
California
Pure Comparative | 15/30/5 minimum | 100% total loss threshold | 2-year deadline
Texas
Modified 51% | 30/60/25 minimum | 100% total loss threshold | 2-year deadline
Florida
Modified 51% + No-Fault | 10/20/10 + PIP | 80% total loss | 4-year deadline
New York
Pure Comparative + No-Fault | 25/50/10 + PIP | 75% total loss | 3-year deadline
Contributory Negligence States (Strictest)
Any Fault = Zero Recovery
In these 5 jurisdictions, being even 1% at fault bars all recovery:
| State | Insurance Min | Deadline | Special Notes |
|---|---|---|---|
| Alabama | 25/50/25 | 2 years | Last clear chance exception |
| District of Columbia | 25/50/10 | 3 years | Limited exceptions |
| Maryland | 30/60/15 | 3 years | Last clear chance |
| North Carolina | 30/60/25 | 3 years | Gross negligence exception |
| Virginia | 30/60/20 | 2 years | Last clear chance |
No-Fault States
12 States + Puerto Rico
Your PIP pays medical first, regardless of fault:
| State | PIP Amount | Lawsuit Threshold | Fault System (Property) |
|---|---|---|---|
| Florida | $10,000 | Serious injury | Modified 51% |
| Michigan | Choice | Serious impairment | Modified 51% |
| New York | $50,000 | Serious injury | Pure Comparative |
| New Jersey | $15,000 | Verbal/monetary | Modified 51% |
| Pennsylvania | $5,000+ | Choice system | Modified 51% |
| Hawaii | $10,000 | $5,000 medical | Modified 51% |
| Kansas | $4,500 | $2,000 medical | Modified 50% |
| Kentucky | $10,000 | Choice | Pure Comparative |
| Massachusetts | $8,000 | $2,000 medical | Modified 51% |
| Minnesota | $40,000 | $4,000 medical | Modified 51% |
| North Dakota | $30,000 | Serious injury | Modified 50% |
| Utah | $3,000 | $3,000 medical | Modified 50% |
All States by Region
Northeast
- Connecticut — Modified 51%, 25/50/25
- Maine — Modified 50%, 50/100/25
- Massachusetts — No-Fault + Modified 51%
- New Hampshire — Modified 51%, No mandatory insurance
- New Jersey — No-Fault + Modified 51%
- New York — No-Fault + Pure Comparative
- Pennsylvania — Choice No-Fault
- Rhode Island — Pure Comparative
- Vermont — Modified 51%
Southeast
- Alabama — Contributory (STRICT)
- Arkansas — Modified 50%
- Florida — No-Fault + Modified 51%
- Georgia — Modified 50%
- Kentucky — Choice No-Fault + Pure Comparative
- Louisiana — Pure Comparative
- Maryland — Contributory (STRICT)
- Mississippi — Pure Comparative
- North Carolina — Contributory (STRICT)
- South Carolina — Modified 51%
- Tennessee — Modified 50%
- Virginia — Contributory (STRICT)
- West Virginia — Modified 50%
Midwest
- Illinois — Modified 51%
- Indiana — Modified 51%
- Iowa — Modified 51%
- Kansas — No-Fault + Modified 50%
- Michigan — No-Fault + Modified 51%
- Minnesota — No-Fault + Modified 51%
- Missouri — Pure Comparative
- Nebraska — Modified 50%
- North Dakota — No-Fault + Modified 50%
- Ohio — Modified 51%
- South Dakota — Pure Comparative
- Wisconsin — Modified 51%
Southwest & West
- Arizona — Pure Comparative
- California — Pure Comparative
- Colorado — Modified 50%
- Hawaii — No-Fault + Modified 51%
- Idaho — Modified 50%
- Montana — Modified 51%
- Nevada — Modified 51%
- New Mexico — Pure Comparative
- Oklahoma — Modified 50%
- Oregon — Modified 51%
- Texas — Modified 51%
- Utah — No-Fault + Modified 50%
- Washington — Pure Comparative
- Wyoming — Modified 51%
Alaska
- Alaska — Pure Comparative, 50/100/25 (highest minimums)
Complete State Law Database
Full details for every state's accident laws.
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