Table of Limits—Archived Article

May, 2006

Financial Responsibility and
Compulsory Insurance Laws

Summary: The table that follows displays the minimum financial responsibility or compulsory liability insurance limits for all states, the District of Columbia, Puerto Rico, and the Canadian provinces.

Split or Single Limits

The laws of all states express the requirement in terms of split limits. For example, if the chart shows “25/50/10,” the law requires that the policy provide at least $25,000 for bodily injury to each person, $50,000 for all bodily injury, and $10,000 for property damage for each accident.

The insurance laws of some states also state the requirement in terms of a combined single limit. For example, if the chart shows “15/30/10 or 40,” the law provides that a policy with a combined single limit of at least $40,000 will also satisfy the requirement. A combined single limit of $40,000 means that the insurance will pay up to $40,000 for all bodily injury and property damage arising out of each accident. The required limits for the Canadian provinces are expressed as combined single limits only.

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