Claim on your own policy or the other driver's? What changes either way

The same crash produces two very different claims depending on which insurer you go to. The difference is not who pays in the end — it is who owes you anything while you wait.

Updated September 13, 2026 Beginner

“He hit me, so his insurance pays, right?”

Eventually, probably. But the route you take to that money is a real choice with real consequences, and it is made in the first days while you are still deciding whether the car is drivable. A first-party claim goes to your own insurer under your own policy. A third-party claim goes to the other driver’s insurer, under a policy you are not party to. Both can end with your car repaired. They differ in who is obliged to do anything for you along the way, and that difference is the whole subject.

Start with who decides. In a first-party claim, your insurer decides — and it decides under a contract you signed, which sets out what it covers and, in most jurisdictions, obliges it to handle your claim in good faith and within stated timeframes. In a third-party claim, the other insurer decides, and its contract is with the person who hit you. You are the claimant against its insured, which is a polite way of saying you are the opposing party. It will investigate, it will form a view on fault, and if it concludes its driver was not at fault — or was only partly at fault — it will pay accordingly, or not at all.

Then what you have to prove. Under your own collision coverage, essentially nothing about fault. You show the damage is real and covered, you pay your deductible, the car gets fixed. Against the other insurer you must prove that its driver was legally responsible, which means evidence: the police report, the photographs, the physical damage patterns, witnesses. Where fault is clear — you were stationary and were struck from behind — this is a formality. Where it is not, it is a negotiation that can take months and end in an apportionment you did not expect.

Then timing. On the first-party side, your insurer pays the repair minus your deductible, typically as soon as an estimate is agreed. On the third-party side nothing is paid until liability is accepted, which can be weeks. If you need the car back before then and you have collision coverage, the arithmetic is simple — claim on your own policy, advance the deductible, and let your insurer chase the other side for it. That recovery is subrogation, it includes your deductible, and it happens on the two companies’ timetable rather than yours.

Then what you can do when they say no, which is the asymmetry that matters most and the one consumers know least about. Your insurer owes you duties that a regulator supervises and a court can enforce; a first-party denial has a complaints route, an appraisal or arbitration mechanism in many policies, and a regulator that takes the complaint. The other driver’s insurer owes you no such duty — its duty runs to its own insured. Your remedy against it is, in substance, to sue its driver. That is a far heavier instrument than a complaint letter, and it is why a well-founded third-party claim that the other insurer simply refuses to move on is a much worse position than the same refusal from your own company. That general rule is not universal. Some legal systems give an injured third party a direct action against the other driver’s insurer, and some extend claims-handling standards to third-party claimants as well as to policyholders; where either exists, the asymmetry is narrower than described here. Which arrangement you are in is a question of local law, and the supervisor named in the data below is the body that takes a handling complaint where one can be made at all.

And what it costs you. A third-party claim costs you your time. A first-party claim costs you your deductible up front, and possibly something at renewal — even where you were not at fault, and even where the deductible comes back. Insurers’ rating rules differ on this, jurisdictions differ on what an insurer is permitted to rate on, and anyone who tells you flatly that a non-fault claim never affects a premium is telling you about one insurer in one place.

Where the choice is not yours

Two situations remove the decision.

In no-fault systems, your own policy pays your medical costs and certain losses whatever happened, and your right to step outside that system and sue the other driver is limited until the injury crosses a threshold the law sets. The claim is first party by design. Which jurisdictions work this way, and where the threshold sits, is in the data for your jurisdiction below.

And where the other driver is uninsured, underinsured, unidentified or gone, there is no third party to claim against. Your own uninsured and underinsured motorist coverage is what stands in its place, and it is a first-party claim with a peculiar feature: you are claiming against your own insurer while proving the fault of someone else, so your insurer is simultaneously your contractual counterparty and the party resisting the claim. Claimants find this confusing because it is confusing.

What is contested

Whether to claim first party when the other driver is plainly at fault is a genuine disagreement among people who work in claims. The case for going straight to your own insurer is speed and enforceable duties: the car is fixed, you recover the deductible later, and you never negotiate with an adversary. The case against is that you have introduced a claim onto your own record, paid a deductible you may not fully recover if fault is apportioned, and given your insurer a reason to look at your policy. Consumer advocates and plaintiff lawyers generally favour the first-party route for anything that is not trivially clear. Agents and brokers more often suggest waiting when liability is obvious and the other insurer has already accepted it.

Both positions are defensible, and the thing that actually settles it in an individual case is not a principle. It is whether the other insurer has accepted liability in writing, and how long you can live without the car.

What we do not know

We cannot tell you how quickly a particular insurer accepts liability, because that is not published and varies by file, by adjuster and by how clear the evidence is. We cannot tell you what a non-fault first-party claim will do to your specific premium. And we cannot tell you, from here, whether your policy carries the coverages that make the first-party route available at all — that is on your declarations page, which is worth reading before you need it rather than after.

The practical shape of it: if you have collision coverage and fault is anything less than obvious, use it. The deductible is the price of dealing with an insurer that has obligations to you instead of one that has none.

Rules in your jurisdiction

Deadlines, fault rules and minimum coverage differ by state and country. Pick yours to see the rules that apply to this topic.

Select a jurisdiction to see its rules.

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Alaska’s shared-fault rule is one sentence long and contains no percentage and no bar of any kind: «In an action based on fault seeking to recover damages for injury or death to a person or harm to property, contributory fault chargeable to the claimant diminishes proportionately the amount awarded as compensatory damages for the injury attributable to the claimant’s contributory fault, but does not bar recovery» (§ 09.17.060, from § 1 ch 139 SLA 1986). «But does not bar recovery» is the whole rule, so a claimant ninety per cent to blame still recovers a tenth. The machinery is prescribed as well: the court «shall instruct the jury to answer special interrogatories» stating «the amount of damages each claimant would be entitled to recover if contributory fault is disregarded» and «the percentage of the total fault that is allocated to each claimant, defendant, third-party defendant, person who has been released from liability, or other person responsible», with the trier of fact directed to weigh «both the nature of the conduct of each person at fault, and the extent of the causal relation between the conduct and the damages claimed» (§ 09.17.080(a)–(b)). ALASKA HAS ABOLISHED JOINT LIABILITY, AND THAT IS THE CONSEQUENCE A CLAIMANT MUST PLAN FOR: «The court shall enter judgment against each party liable on the basis of several liability in accordance with that party’s percentage of fault» (§ 09.17.080(d)), so a claimant who sues one of two at-fault drivers collects that driver’s share and no more, and fault is allocated to settled and released persons too. The apportionment also runs on a statutory definition of fault that is wider than negligence: «“fault” includes acts or omissions that are in any measure negligent, reckless, or intentional … The term also includes breach of warranty, unreasonable assumption of risk not constituting an enforceable express consent, misuse of a product …, and unreasonable failure to avoid an injury or to mitigate damages» (§ 09.17.900) — so a claimant’s own conduct after the crash is apportionable, not merely their driving.
Minimum liability coverage	Bodily injury, per person $50,000 · Bodily injury, per accident $100,000 · Property damage $25,000 ^[1] PUBLISHED UNDATED, AND DELIBERATELY SO. «A motor vehicle liability policy must provide coverage in the United States or Canada, subject to limits exclusive of interest and costs, with respect to each vehicle, as follows: (1) $50,000 because of bodily injury to or death of one person in one accident, and, subject to the same limit for one person, $100,000 because of bodily injury to or death of two or more persons in one accident; and (2) $25,000 because of injury to or destruction of property of others in one accident» (§ 28.22.101(d)). The section’s history line reads «§ 1 ch 108 SLA 1989; am § 5 ch 172 SLA 2004», so the present figures come from chapter 172 of the 2004 session laws — but that act was not opened and its commencement was not read, and an amendment year is not an effective date, so NO DATE IS ATTACHED HERE. The commencement of the present limits has not yet been verified against a primary text and is not stated here. Iowa, Nebraska and New Mexico publish undated for the same reason. Two features of the subsection are unusual enough to keep: the limits are «exclusive of interest and costs», and the cover must extend to CANADA as well as the United States — a live matter on the Alaska Highway and in no other state’s minimum-limits section in these rounds.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	10 days from the claim ^[3] TEN WORKING DAYS, AND ALASKA IS ONE OF THE FEW STATES WHOSE RULE SPELLS THE DUTY OUT IDENTICALLY FOR A THIRD-PARTY CLAIMANT: a person claiming against the other driver’s insurer has the same acknowledgement right as the policyholder. First party: «within 10 working days after receipt of notification of a claim, give written acknowledgement to the first-party claimant identifying the person handling the claim, including the person’s name, address, telephone number, the firm name, and the file number; payment of the claim within 10 working days after notification is satisfactory acknowledgement» (3 AAC 26.040(a)(1)). Third party: «within 10 working days after notification of the claim from a third-party claimant, give written acknowledgement to the third-party claimant» (§ 26.040(b)(1)), with the same duty owed to the insured at (b)(4). A further «15 working days after receipt» governs «an appropriate reply to all other communications» from a first-party claimant (§ 26.040(a)(2)). NOTE THE UNIT — WORKING days, as in Nebraska, Arkansas and West Virginia, not the plain days of Hawaii, Iowa or South Dakota.
Insurer response deadlines — Accept or deny	15 days from the claim ^[3] Fifteen WORKING days from proof of loss, with rolling forty-five-working-day status letters: an insurer «shall advise a first-party claimant in writing of the acceptance or denial of the claim within 15 working days after receipt of a properly executed statement of claim, proof of loss, or other acceptable evidence of loss unless another time limit is specified in the insurance policy … payment of the claim within this time limit constitutes written acceptance; a written denial of the claim must state the specific provisions, conditions, exclusions, and facts upon which the denial is based»; and where more time is needed, «written notification giving the reasons that more time is needed shall be given to the first-party claimant within the deadline. While the investigation remains incomplete, additional written notification shall be provided 45 working days from the initial notification, and no more than every 45 working days thereafter» (3 AAC 26.070(a)(1)). TWO QUALIFICATIONS BELONG WITH THE FIGURE. The fifteen days yield expressly to «another time limit … specified in the insurance policy», so the regulation is a DEFAULT, not a floor. And the duty is written for a FIRST-PARTY claimant; § 26.070(b) says something different about third parties, on which see the notes.
Insurer response deadlines — Pay	30 days from the claim ^[3] Thirty WORKING days from proof of loss, and note precisely what it is a deadline to do: an insurer «shall, within 30 working days after receipt of a properly executed statement of claim, proof of loss, or other acceptable evidence of loss, pay those portions of the claim not in dispute» (3 AAC 26.070(a)(2)). A PARTIAL DISPUTE DOES NOT STOP THE CLOCK ON THE UNDISPUTED PART — that is the sentence a claimant facing a part-denied repair estimate needs. Separately, § 26.050(a) gives the insurer a THIRTY-WORKING-DAY INVESTIGATION PERIOD with an express due-diligence escape («shall complete the investigation within 30 working days, unless the investigation cannot reasonably be completed using due diligence»); that is not a decision deadline and is deliberately not published as one.

Verified as ofSeptember 11, 2026 · Car insurance claims in Alaska →

Fault system	Hybrid
Shared-fault rule	Pure comparative negligence Where two or more people are at fault, «the liability to make good the damage or loss is in proportion to the degree in which each person was at fault but if, having regard to all the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally», and nothing renders a person liable for loss «to which the person’s fault has not contributed» (Contributory Negligence Act, s. 1). Vehicle-damage recovery from your own insurer is instead scaled by the prescribed fault determination rules (Insurance Act, s. 585.1(4)).
Minimum liability coverage	Combined single limit CA$200,000 ^[1] Every motor vehicle liability policy insures, per accident, «to a limit of not less than $200 000, exclusive of interest and costs, against liability resulting from bodily injury to or the death of one or more persons and loss of or damage to property» (Insurance Act, s. 571(1)). Within that combined limit, injury claims have priority to the extent of $190,000 and property claims to the extent of $10,000 (s. 571(2)); an insurer may instead write at least $200,000 for each head separately (s. 571(3)).
Uninsured / underinsured motorist cover	Not applicable
Insurer response deadlines — Pay	60 days from the claim ^[1] A statutory condition deemed part of every policy, which «no variation or omission of or addition to» can make binding on the insured: the insurer «must pay the insurance money for which it is liable under the contract within 60 days after the proof of loss has been received by it or, where a dispute resolution process is conducted under Statutory Condition 4(9), within 15 days after the decision is rendered» (Insurance Act, s. 556, Statutory Condition 6(1)).

Verified as ofSeptember 10, 2026 · Car insurance claims in Alberta →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Liability for damage caused by the circulation of vehicles is objective (strict) — Código Civil y Comercial arts. 1757 and 1769 — and «puede ser excluida o limitada por la incidencia del hecho del damnificado en la producción del daño» (art. 1729): the victim’s own act reduces, or in an extreme case excludes, the award.
Minimum liability coverage	Compulsory scheme: Seguro obligatorio de responsabilidad civil hacia terceros (Ley 24.449 art. 68), en las condiciones que fije la Superintendencia de Seguros de la Nación ^[3] Every motor vehicle, trailer and motorcycle must carry annual insurance «que cubra eventuales daños causados a terceros, transportados o no», under the conditions fixed by the insurance authority (art. 68). The minimum sums are set by SSN resolutions and change; they are not stated here until read from the resolution in force.
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Accept or deny	30 days from the claim ^[2] The insurer must rule on the insured’s right within 30 days of receiving the supplementary information it requested; silence counts as acceptance (Ley 17.418 art. 56). The insured must notify the loss within three days of knowing of it (art. 46).
Insurer response deadlines — Pay	15 days from the claim ^[2] In property insurance, payment within 15 days of the amount being fixed or the offered indemnity accepted, once the art. 56 period has run (art. 49).

Verified as ofSeptember 10, 2026 · Car insurance claims in Argentina →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Contributory negligence and assumption of risk reduce, never bar: «the claimant’s action is not barred, but the full damages shall be reduced in proportion to the relative degree of the claimant’s fault which is a proximate cause of the injury or death». No percentage threshold appears anywhere in the section; the single exception is conduct rather than a figure, since there is no right to comparative negligence «in favor of any claimant who has intentionally, wilfully or wantonly caused or contributed to the injury or wrongful death» (A.R.S. § 12-2505(A)).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $15,000 ^[5] These figures govern «a policy that is issued or renewed beginning on July 1, 2020», a date written into the statute itself (A.R.S. § 28-4009(A)(2)(b)). The older 15/30/10 amounts remain in force text for policies issued or renewed on or before 30 June 2020 and, without a time limit, for a person holding a valid certificate of self-insurance or partial self-insurance under § 28-4007 (§ 28-4009(A)(2)(a)). A vehicle operated on a highway must carry a liability policy at no less than these limits, an alternate method of coverage under § 28-4076, or a certificate of self-insurance (§ 28-4135(A)). The compilation read on 11 September 2026 carries the Legislative Council creation date 20 September 2025 and shows no later tier; the 2025 and 2026 session laws were not searched.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	10 days from the claim ^[4] Working days, not calendar days: «within 10 working days, acknowledge the receipt of the notice unless payment is made within the 10 working days», and notification to an agent of an insurer is notification to the insurer (A.A.C. R20-6-801(E)(1)). Supplying claim forms, instructions and reasonable assistance within the same 10 working days is compliance (E)(4). Every later communication from the claimant that reasonably suggests a response is expected carries its own 10 working days (E)(3).
Insurer response deadlines — Accept or deny	15 days from the claim ^[4] Working days after receipt of properly executed proofs of loss, owed as written to the first party claimant; a denial must be in writing and must name the policy provision, condition or exclusion relied on (A.A.C. R20-6-801(G)(1)(a)). If more time is needed the insurer must say so with reasons within the same 15 working days, then write again at 45 days and every 45 days thereafter — plain days in that clause (G)(1)(b). Investigation must be completed within 30 days of notification «unless the investigation cannot reasonably be completed within 30 days» (F).

Verified as ofSeptember 10, 2026 · Car insurance claims in Arizona →

Fault system	No-fault
Shared-fault rule	Pure comparative negligence In the actions that survive — vehicle damage, and the narrow injury exceptions — liability «is in proportion to the degree to which each person was at fault», is «apportioned equally» where it is not possible to establish different degrees, and never reaches loss to which a person’s fault did not contribute (Negligence Act, s. 1). The Act’s definitions include proceedings in the Civil Resolution Tribunal, where many vehicle-damage disputes are actually decided.
Minimum liability coverage	Combined single limit CA$200,000 ^[4] A combined limit: the corporation’s liability for all claims against the insured arising out of the same occurrence is limited to the amount in Schedule 3, which for accidents on or after 1 January 1985 is «in any other case, $200 000» — higher for a bus ($500,000) and for a taxi or limousine-use vehicle ($300,000) (Insurance (Vehicle) Regulation, s. 67(1); Schedule 3, s. 1(2)). Section 68(1) gives injury claims priority over property claims in a 90/10 split.
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Pay	60 days from the claim ^[4] The insurer «must pay the insurance money for which it is liable under this contract within 60 days after the proof of loss or statutory declaration has been received by it» or, where an arbitration is conducted under s. 177 of the regulation, «within 15 days after the award is rendered» (Insurance (Vehicle) Regulation, Schedule, statutory condition 8(1)). The sixty days run from the proof of loss, not from the accident.

Verified as ofSeptember 10, 2026 · Car insurance claims in British Columbia →

Fault system	At-fault (tort)
Shared-fault rule	Not yet verified
Minimum liability coverage	Bodily injury, per person $30,000 · Bodily injury, per accident $60,000 · Property damage $15,000 ^[3] For policies issued or renewed on or after 1 January 2025 (15/30/5 before). A further increase is scheduled for policies issued or renewed on or after 1 January 2035.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	15 days from the claim ^[4] Calendar days from notice of claim.
Insurer response deadlines — Accept or deny	40 days from the claim ^[5] Calendar days from proof of claim; the insurer may extend with written notice every 30 days.
Insurer response deadlines — Pay	30 days from the claim ^[5] Calendar days after the claim is accepted.

Verified as ofSeptember 10, 2026 · Car insurance claims in California →

Fault system	Hybrid
Shared-fault rule	Pure comparative negligence «La apreciación del daño está sujeta a reducción, si el que lo ha sufrido se expuso a él imprudentemente» — the award is reduced where the victim imprudently exposed themselves to the harm (Código Civil art. 2330).
Minimum liability coverage	Compulsory scheme: SOAP — Seguro Obligatorio de Accidentes Personales (Ley 18.490) ^[3] Fixed indemnities in Unidades de Fomento: 600 UF for death; 600 UF for total permanent disability; up to 400 UF for partial permanent disability; up to 600 UF for hospital, medical, surgical and pharmaceutical expenses (art. 25). Covers the driver, passengers and any third party hurt, regardless of fault. It does not cover damage to vehicles or property.
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Pay	10 days from the claim ^[3] SOAP indemnities are paid within 10 days of presenting the required documents (police certificate, medical certificates, etc.) — Ley 18.490 art. 30. Applies to the compulsory personal-accident cover, not to liability claims.

Verified as ofSeptember 10, 2026 · Car insurance claims in Chile →

Fault system	Hybrid
Shared-fault rule	Pure comparative negligence «La apreciación del daño está sujeta a reducción, si el que lo ha sufrido se expuso a él imprudentemente» — the award is reduced where the victim imprudently exposed themselves to the harm (Código Civil art. 2357); no threshold bars recovery.
Minimum liability coverage	Compulsory scheme: SOAT — Seguro Obligatorio de Accidentes de Tránsito (Ley 769 de 2002 art. 42; EOSF arts. 192–193) ^[4] The SOAT covers bodily harm to people regardless of fault — medical, surgical, pharmaceutical and hospital expenses; permanent disability up to 180 daily minimum wages; death and funeral expenses of 750 daily minimum wages; transport of victims 10 daily minimum wages (EOSF art. 193.1). It does not cover damage to vehicles or property; liability for that is not compulsorily insured.
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Pay	1 months from the claim ^[3] The insurer must pay within the month following the date the insured or beneficiary proves their right, even out of court (Código de Comercio art. 1080, as amended by Ley 510 de 1999); afterwards default interest runs at the current bank rate increased by half.

Verified as ofSeptember 10, 2026 · Car insurance claims in Colombia →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (50% bar) Colorado bars at exactly half. Recovery survives only «if such negligence was not as great as the negligence of the person against whom recovery is sought», and where the claimant’s proportion «is equal to or greater than the negligence of the person against whom recovery is sought, then, in such event, the court shall enter a judgment for the defendant» (C.R.S. § 13-21-111(1), (3)). A claimant found exactly 50 % responsible recovers nothing.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $15,000 ^[1] What Colorado compels is «legal liability coverage» and nothing else, to a limit «exclusive of interest and costs» of $25,000 per person, $50,000 per accident and $15,000 for property damage (C.R.S. § 10-4-620, whose own source line reads «effective July 1» 2003), corroborated in the Financial Responsibility Act at § 42-7-103(2). Those three words matter: interest and costs come out of the same figure rather than sitting on top of it. The medical payments layer is separate and rejectable (§ 10-4-635).
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Accept or deny	60 days from the claim ^[4] Plain days, and one obligation rather than two: insurers «shall make a decision on claims and/or pay benefits due under the policy within sixty (60) days after receipt of a valid and complete claim» unless there is a reasonable dispute (3 CCR 702-5, Regulation 5-1-14 § 4(A)(1)(a)). A claim is «valid and complete» only once eight conditions are met — all necessary documents received, the insurer’s own reasonable investigation complete, coverage established, repairs finished and authorised, valuations concluded, any litigation finally adjudicated — and «the insured shall have the burden of proving to the Commissioner of Insurance that he/she submitted a valid and complete claim» (§ 4(A)(2)(a), (5)). First-party claims only.
Insurer response deadlines — Pay	60 days from the claim ^[4] The same sixty plain days and the same single duty as the decision clock — the regulation says «decision on claims and/or pay benefits» — so this is not a second period running after a decision. Miss it without a reasonable dispute and the Commissioner may order the insurer to pay the insured 8 % annual interest on the benefits due, plus a civil penalty of $100 a day (Regulation 5-1-14 § 4(A)(1)(b)–(c)). A separate and much shorter rule reaches the person hit by somebody else’s insured: payment «within three (3) business days» of written acceptance of the settlement offer once a transferable title has been received (Regulation 5-2-15 § 5(B)(3)).

Verified as ofSeptember 11, 2026 · Car insurance claims in Colorado →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) Contributory negligence «shall not bar recovery … if the negligence was not greater than the combined negligence of the person or persons against whom recovery is sought», settled or released persons included, and damages «shall be diminished in the proportion of the percentage of negligence attributable to the person recovering» (Conn. Gen. Stat. § 52-572h(b)). The comparison is against everyone sued added together, not against any one defendant, and a claimant at exactly 50 % still recovers half.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[2] $25,000 for injury to or death of one person, $50,000 for two or more, $25,000 for property damage (Conn. Gen. Stat. § 14-112(a)). The figures arrived by P.A. 17-114, which the statute’s own history note records as «effective January 1, 2018, and applicable to automobile liability insurance policies delivered, issued for delivery, renewed, amended or endorsed in this state on or after January 1, 2018» — so which tier applies depends on when the policy was issued or renewed, not on when the crash happened; the previous tier was 20/40/10. Read alone § 14-112(a) is a proof-of-financial-responsibility provision addressed to the Commissioner of Motor Vehicles; it becomes the universal minimum because § 38a-335(a) adopts it for every automobile liability policy and § 38a-371(a) makes such a policy compulsory.
Uninsured / underinsured motorist cover	Mandatory

Verified as ofSeptember 11, 2026 · Car insurance claims in Connecticut →

Fault system	Add-on no-fault
Shared-fault rule	Modified comparative (51% bar) Delaware’s comparative statute is one sentence and the bar bites only ABOVE the defendant’s share: «In all actions brought to recover damages for negligence which results in death or injury to person or property, the fact that the plaintiff may have been contributorily negligent shall not bar a recovery by the plaintiff … where such negligence was not greater than the negligence of the defendant or the combined negligence of all defendants against whom recovery is sought, but any damages awarded shall be diminished in proportion to the amount of negligence attributed to the plaintiff» (§ 8132, from 64 Del. Laws, c. 384, § 1; 70 Del. Laws, c. 186, § 1). «Not greater than» is the 51 % form, so A CRASH APPORTIONED FIFTY-FIFTY IN DELAWARE STILL RECOVERS HALF — the same shape as Iowa, West Virginia and Hawaii, and the opposite of Kansas and Nebraska, where an equal share recovers nothing. Note the denominator: the comparison is against «the combined negligence of all defendants against whom recovery is sought», not against each defendant separately, which changes the outcome in a multi-defendant crash and which no summary states.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $10,000 ^[1] DATED FROM THE SESSION LAW, AND IT DISPOSES OF TWO WRONG FIGURES THAT BOTH CIRCULATE. The compulsory limits are «$25,000, because of bodily injury to or death of 1 person in any 1 accident and, subject to said limit for 1 person $50,000, because of bodily injury to or death of 2 or more persons in any 1 accident, and $10,000, because of injury to or destruction of property of others in any 1 accident», «within the United States of America or the Dominion of Canada» and «subject to limits exclusive of interest and costs» (tit. 21, § 2902(b)(2)); the Code itself flags that «for application of this section, see 81 Del. Laws, c. 39, § 2», which is why the session law had to be opened. THE FIRST WRONG FIGURE IS THE OLD TIER: 81 Del. Laws, c. 39 shows the amendment as struck-through text — «$15,000 → $25,000», «$30,000 → $50,000», «$5,000 → $10,000» — so DELAWARE’S PREVIOUS MINIMUM WAS 15/30/5, which is what every summary written before December 2017 still gives. THE COMMENCEMENT IS STATED IN THE ACT’S OWN TERMS RATHER THAN AS A COMPUTED DAY: «This Act shall take effect 6 months after its enactment into law. The provisions of this Act do not apply to existing insurance policies; however, the provisions will apply to all renewals and new insurance policies which occur after the effective date», and the act was «Approved June 13, 2017» — so the new tier arrived six months after 13 June 2017 and reached policies then in force only on renewal, which is what decides whether an older policy sits at the old tier. THE SECOND WRONG FIGURE IS INSIDE THE CODE, AND IT IS RECORDED SO NOBODY LATER «CORRECTS» THIS ROW DOWNWARD: § 2944 of the same chapter still prints 15/30/10 — «When $15,000 has been credited …», «the sum of $30,000 …», «When $10,000 has been credited …» — but it is the threshold at which a JUDGMENT is deemed satisfied for the licence-suspension machinery of subchapter III, and it says so in its own words, «for the purposes of this chapter only». § 2902(b)(2)’s 25/50/10 is the compulsory minimum. Same shape as Massachusetts’s companion figure in an earlier round.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	15 days from the claim ^[3] FIFTEEN WORKING DAYS, FROM THE REGULATION AND NOT FROM THE STATUTE: «Failing to acknowledge and respond within 15 working days, upon receipt by the insurer, to communications with respect to claims by insureds arising under insurance policies» is a prohibited unfair claim settlement practice (18 Del. Admin. Code 902, § 3.1.2), and § 3.1.3 adds «Failing to implement prompt investigation of claims arising under insurance policies within 10 working days upon receipt of the notice of loss by the insurer». TWO QUALIFICATIONS TRAVEL WITH THE FIGURE. The rule is worded for «claims by insureds», so it does not plainly reach a third-party claimant — unlike Alaska’s 3 AAC 26.040(b), which spells the same duty out for a third party. And the whole of § 3.1 bites only where the conduct is «committed or performed with such frequency as to indicate a general business practice», so a single overrun is not itself a violation. A SEPARATE AND NARROWER STATUTORY DUTY SITS BESIDE IT AND MUST NOT BE CONFLATED WITH IT: on a first-party injury-benefit claim «the insurer shall, no later than 10 days following the insurer’s receipt of said notification, provide that claimant with a form for filing such a claim», and a breach is priced at «1 percent of the amount due as of the date on which the claim was required to be provided for each day beyond the prescribed period for compliance, not to exceed $5,000» (tit. 21, § 2118B(b)). That ten days is a duty to SEND THE CLAIM FORM, not to acknowledge the claim, so it is recorded here rather than published as this field’s value.
Insurer response deadlines — Accept or deny	30 days from the claim ^[3] Thirty PLAIN days — note the change of unit inside one rule, as in Arkansas’s Rule 43 and West Virginia’s C.S.R. 114-14: «Failing to affirm or deny coverage or a claim or advise the person presenting the claim, in writing, or other proper legal manner, of the reason for the inability to do so, within 30 days after proof of loss statements have been received by the insurer» (18 Del. Admin. Code 902, § 3.1.5). The regulation says «30 days» where §§ 3.1.2 and 3.1.3 say «working days», and Regulation 1310 — the health-claims rule that 902 § 3.6 points at — is the instrument that defines «“Days” means calendar days», not this one. The SAME thirty days do the same job on the statutory side for a first-party injury-benefit claim, where the insurer must within thirty days «make payment of the amount of claimed benefits that are due to the claimant or, if said claim is wholly or partly denied, provide the claimant with a written explanation of the reasons for such denial» (tit. 21, § 2118B(c)).
Insurer response deadlines — Pay	30 days from the claim ^[4] THIRTY DAYS, AND THE SCOPE IS THE WHOLE POINT: this is the FIRST-PARTY INJURY-BENEFIT clock of tit. 21, § 2118B(c), not a general payment deadline. «When an insurer receives a written request for payment of a claim for benefits pursuant to § 2118(a)(2) …, the insurer shall promptly process the claim and shall, no later than 30 days following the insurer’s receipt of said written request for first-party insurance benefits AND documentation that the treatment or expense is compensable …, make payment» — so the trigger is the request PLUS the documentation, not the crash and not the request alone. The late-payment rate then ESCALATES IN THREE STEPS, a structure found in no other state in this dataset and one that must never be averaged into a single rate: «(1) One and one-half percent from the thirty-first day through the sixtieth day; and (2) Two percent from the sixty-first day through the one hundred and twentieth day; and (3) Two and one-half percent after the one hundred and twenty-first day» a month. NO DELAWARE PAYMENT DEADLINE FOR A VEHICLE-DAMAGE CLAIM WAS READ: Regulation 902 contains no payment deadline at all, and whether any Delaware instrument fixes a time to pay a settled motor property-damage claim has not yet been verified against a primary text and is not stated here.

Verified as ofSeptember 11, 2026 · Car insurance claims in Delaware →

Fault system	At-fault (tort)
Shared-fault rule	Not yet verified
Minimum liability coverage	Compulsory scheme: Seguro obligatorio de responsabilidad civil de vehículos de motor (Ley 146-02, arts. 112 y 125) ^[3] Minimum limits are fixed by reasoned resolution of the Superintendencia de Seguros (art. 125). The 2025 update (Resolutions 05-2025 and 07-2025) was temporarily suspended by Resolution 10-2025 pending a six-month public consultation; the amounts in force are therefore not stated here until the regulator settles them.
Uninsured / underinsured motorist cover	Not yet verified

Verified as ofSeptember 10, 2026 · Car insurance claims in Dominican Republic →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Contributory negligence: damages are reduced «to such extent as the court thinks just and equitable having regard to the claimant’s share in the responsibility for the damage» (Law Reform (Contributory Negligence) Act 1945, s. 1(1)).
Minimum liability coverage	Property damage £1,200,000 ^[3] Death or bodily injury: unlimited. Property damage: £1,200,000 per accident (Road Traffic Act 1988, s. 145, as amended by S.I. 2016/1193 from 31 December 2016).
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Accept or deny	15 days from the claim ^[5] Under the Pre-Action Protocol for Low Value Personal Injury Claims in Road Traffic Accidents (claims up to £25,000), the defendant’s insurer must return the Claim Notification Form response within 15 days (para. 6.11).

Verified as ofSeptember 10, 2026 · Car insurance claims in England and Wales →

Fault system	No-fault
Shared-fault rule	Modified comparative (51% bar) In a negligence action «any party found to be greater than 50 percent at fault for his or her own harm may not recover any damages»; below that, damages are reduced in proportion (Fla. Stat. § 768.81(2), (6), as amended by ch. 2023-15).
Minimum liability coverage	Property damage $10,000 ^[4] Every registered owner must be able to respond in $10,000 for damage to the property of others per crash, or hold a $30,000 combined single limit instead (§ 324.022(1)), plus $10,000 in personal injury protection and $5,000 in death benefits (§ 627.736(1)). Bodily-injury liability of $10,000 per person / $20,000 per crash is the statutory definition of proof of financial responsibility (§ 324.021(7)), required in the circumstances the Financial Responsibility Law lists, not of every policy.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Pay	30 days from the claim ^[2] Personal injury protection benefits are overdue if not paid within 30 days after the insurer is furnished written notice of the covered loss and its amount (§ 627.736(4)(b)). An agreed written settlement must be paid within 20 days, after which it bears 12 % interest (§ 627.4265).

Verified as ofSeptember 10, 2026 · Car insurance claims in Florida →

Fault system	No-fault
Shared-fault rule	Modified comparative (51% bar) Past the tort threshold, shared fault is handled by a 1969 statute that has not been amended since 1976: «Contributory negligence shall not bar recovery in any action by any person … to recover damages for negligence resulting in death or in injury to person or property, if such negligence was not greater than the negligence of the person or in the case of more than one person, the aggregate negligence of such persons against whom recovery is sought, but any damages allowed shall be diminished in proportion to the amount of negligence attributable to the person for whose injury, damage or death recovery is made» (§ 663-31(a)). «Not greater than» is the 51 % form, so a crash apportioned fifty-fifty still recovers half, and the comparison is against the AGGREGATE negligence of everyone sued rather than against each defendant. The mechanics are prescribed as well as the rule: in a jury trial the jury «shall return a special verdict» stating the damages that would have been recoverable absent contributory negligence and «the degree of negligence of each party, expressed as a percentage»; the court then reduces the award proportionally, and enters judgment for the defendant where the claimant’s proportion is greater than the aggregate negligence of those sued (§ 663-31(b)–(c)). «The court shall instruct the jury regarding the law of comparative negligence where appropriate» (§ 663-31(d)).
Minimum liability coverage	Bodily injury, per person $40,000 · Bodily injury, per accident $80,000 · Property damage $20,000 ^[1] A CORRECTION, AND THE FIGURE MOST DESCRIPTIONS OF HAWAII STILL GET WRONG. The statute carries TWO texts of subsection (b), each labelled by the publisher. The one marked «[Subsection effective until December 31, 2025 …]» gives «Liability coverage of not less than $20,000 per person, with an aggregate limit of $40,000 per accident» and «Liability coverage of not less than $10,000 for all damages arising out of damage to or destruction of property». The one marked «[Subsection effective January 1, 2026 …]» gives «Liability coverage of not less than $40,000 per person, with an aggregate limit of $80,000 per accident, for all damages arising out of accidental harm sustained as a result of any one accident» and «Liability coverage of not less than $20,000 for all damages arising out of damage to or destruction of property including motor vehicles and including the loss of use thereof». The section’s history line ends «am L 2024, c 138, §3». So HAWAII’S COMPULSORY MINIMUM IS 40/80/20 FOR ANY POLICY ON OR AFTER 1 JANUARY 2026, and the prior tier — 20/40/10 — applied until 31 December 2025 and is what almost every secondary description still gives; treat any 20/40/10 figure for Hawaii as out of date. EVIDENCE CAVEAT, STATED ON THE FACE OF THE ROW: the capture read is dated 25 September 2025, i.e. it pre-dates the commencement it describes, but it already carries the future text under the publisher’s own «effective January 1, 2026» label, which is how the Hawaii Revised Statutes signal a pending change. The 2024 act itself was not opened, and the section should be re-read from a later capture or the live host.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Accept or deny	30 days from the claim ^[3] Thirty plain days, and the same thirty days close off the «we need more information» escape: «If the insurer elects to deny a claim for benefits in whole or in part, the insurer shall, within thirty days, notify the claimant in writing of the denial and the reasons for the denial», the notice «prepared and mailed by the insurer in triplicate copies and … in a format approved by the commissioner»; and «If the insurer cannot pay or deny the claim for benefits because additional information or loss documentation is needed, the insurer shall, within the thirty days, forward to the claimant an itemized list of all the required documents» (§ 431:10C-304(3)(B)–(C)). So an insurer cannot stop the clock by saying more information is needed without saying exactly what. These are the PIP clocks; Hawaii has no evidenced acknowledgement deadline — see the notes.
Insurer response deadlines — Pay	30 days from the claim ^[3] Thirty plain days, and the trigger has two parts: «Payment of personal injury protection benefits shall be made within thirty days after the insurer has received reasonable proof of the fact and amount of benefits accrued, and demand for payment thereof» (§ 431:10C-304(3)(A)) — proof AND a demand, with all providers required to describe the service in conformity with the applicable fee-schedule codes. «Amounts of benefits that are unpaid thirty days after the insurer has received reasonable proof … shall bear interest at the rate of one and one-half per cent per month» (§ 431:10C-304(4)) — eighteen percent a year, on the same footing as the rate New Mexico reaches by a different route. Payment goes to the PROVIDER of services rather than to the injured person (§ 431:10C-304(1)).

Verified as ofSeptember 11, 2026 · Car insurance claims in Hawaii →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (50% bar) Idaho’s bar bites at equality, not above it: «Contributory negligence or comparative responsibility shall not bar recovery in an action by any person … to recover damages for negligence, gross negligence or comparative responsibility resulting in death or in injury to person or property, if such negligence or comparative responsibility was NOT AS GREAT AS the negligence, gross negligence or comparative responsibility of the person against whom recovery is sought, but any damages allowed shall be diminished in the proportion to the amount of negligence or comparative responsibility attributable to the person recovering» (§ 6-801). «Not as great as» is the 50 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN IDAHO RECOVERS NOTHING. BUT THE PERCENTAGE ALONE IS MISLEADING, AND § 6-803(3) IS THE SENTENCE A SUMMARY ALWAYS DROPS. Note first that § 6-801 compares the claimant against «the person against whom recovery is sought», singular. Section 6-803(3) then says how that is done: «The common law doctrine of joint and several liability is hereby limited to causes of action listed in subsection (5) of this section. In any action in which the trier of fact attributes the percentage of negligence or comparative responsibility to persons listed on a special verdict, the court shall enter a separate judgment against each party whose negligence or comparative responsibility exceeds the negligence or comparative responsibility attributed to the person recovering. The negligence or comparative responsibility of each such party is to be compared INDIVIDUALLY to the negligence or comparative responsibility of the person recovering», and judgment against each is «in an amount equal to each party’s proportionate share». So a claimant 30 % at fault against two defendants at 35 % each recovers from both, while A CLAIMANT 40 % AT FAULT AGAINST TWO DEFENDANTS AT 30 % EACH RECOVERS FROM NEITHER — even though the defendants together were more at fault than the claimant. Joint and several liability survives only «where they were acting in concert or when a person was acting as an agent or servant of another party», and «acting in concert» means «pursuing a common plan or design which results in the commission of an intentional or reckless tortious act» (§ 6-803(5)). The apportioning special verdict is discretionary for the court but mandatory once asked for: the court «may, and when requested by any party shall, direct the jury to find separate special verdicts», and the reduction is then the court’s arithmetic duty rather than the jury’s (§ 6-802) — a softer rule than Hawaii’s § 663-31(b), which requires the special verdict outright.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $15,000 ^[1] FIFTEEN THOUSAND FOR PROPERTY DAMAGE — THE LOWEST THIRD LIMB ON ANY US ROW IN THIS DATASET, AND THE DIGIT A SUMMARY ROUNDS UP TO THE MORE FAMILIAR $20,000 OR $25,000. Note where the number lives: not in the insurance code but in the DEFINITIONS SECTION OF THE MOTOR VEHICLES TITLE, as the definition of a term. «“Proof of financial responsibility” means proof of ability to respond in damages for liability, on account of accidents occurring subsequent to the effective date of the proof, arising out of the ownership, maintenance or use of a motor vehicle, in the amount of twenty-five thousand dollars ($25,000) because of bodily injury to or death of one (1) person in any one (1) accident and, subject to the limit for one (1) person, in the amount of fifty thousand dollars ($50,000) because of bodily injury to or death of two (2) or more persons in any one (1) accident, and in the amount of fifteen thousand dollars ($15,000) because of injury to or destruction of property of others in any one (1) accident» (§ 49-117(20)). That is why § 49-1229 and § 41-2502 both point at § 49-117 rather than stating a figure, and it is also the cross-reference by which the UM/UIM mandate fixes ITS limits, so the two must be read together. A SECOND, DIFFERENTLY SHAPED FLOOR EXISTS FOR THE OWNER WHO POSTS A BOND INSTEAD OF BUYING A POLICY, and a reader comparing the two numbers will otherwise think one of them is wrong: the indemnity bond «shall guarantee payment in an amount no less than fifty thousand dollars ($50,000) for any one (1) accident of which fifteen thousand dollars ($15,000) is for property damage, for each vehicle registered up to a maximum of one hundred twenty thousand dollars ($120,000) for five (5) or more vehicles», and any loss «shall be paid within thirty (30) days» (§ 49-1229(2)). PUBLISHED UNDATED, AND THE REASON IS AN UNOPENED SESSION LAW RATHER THAN A SILENT PUBLISHER: § 49-117’s history line was read in full and names SIXTEEN amending acts — added 1988, ch. 265, then amendments in 1991, 1992, two in 1994, 1995, 1997, 1998, 2001 ch. 332, 2002 ch. 160, 2011, two in 2017, 2019, 2020 and 2022 — and which of them fixed the present figures is not stated on the face of the section. None was opened: the Idaho Session Laws live on the same host that accepts no TCP connection. The commencement of the 25/50/15 limits has not yet been verified against a primary text and is not stated here.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	30 days from the claim ^[5] THIRTY DAYS FROM PROOF OF LOSS — AND SIXTY WHERE THE PROOF OF LOSS PERTAINS TO UNINSURED OR UNDERINSURED MOTORIST BENEFITS, TWO CLOCKS IN ONE SENTENCE: «Any insurer … that fails to pay a person entitled thereto within thirty (30) days after proof of loss has been furnished as provided in such policy … or to pay to the person entitled thereto within sixty (60) days if the proof of loss pertains to uninsured motorist or underinsured motorist coverage benefits, the amount that person is justly due … shall in any action thereafter commenced against the insurer in any court in this state, OR IN ANY ARBITRATION for recovery under the terms of the policy, pay such further amount as the court shall adjudge reasonable as attorney’s fees» (§ 41-1839(1)). The sixty-day UM/UIM variant is found in no other jurisdiction in this dataset and is exactly the clock an Idaho claimant needs; the days are plain and unqualified in both limbs, so calendar days on the face of it. THE CONSEQUENCE IS FEE-SHIFTING, NOT INTEREST — contrast Hawaii’s 1.5 % a month and Maine’s combination of both — and it reaches an arbitration as well as a court action. STATE THE DEADLINE AND ITS TWO LIMITS TOGETHER OR NEITHER: an insurer that alleges «a tender of the full amount justly due was made» and then deposits that amount «in the court» owes no fees if the allegation is found true, or if it is determined that no amount is justly due; and § 41-1839 with § 12-123 is «the EXCLUSIVE remedy for the award of statutory attorney’s fees in all actions or arbitrations between insureds and insurers», with the general commercial fee statute § 12-120 expressly switched off (§ 41-1839(2), (4)).

Verified as ofSeptember 11, 2026 · Car insurance claims in Idaho →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) The plaintiff is barred «if the trier of fact finds that the contributory fault on the part of the plaintiff is more than 50% of the proximate cause»; otherwise damages are «diminished in the proportion to the amount of fault attributable to the plaintiff» (735 ILCS 5/2-1116).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $20,000 ^[2] For policies issued or renewed on or after 1 January 2015 (625 ILCS 5/7-203; mandate in 5/7-601).
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	30 days from the claim ^[3] Payment within 30 days after the company affirms liability, where the amount is determined and not in dispute; a written explanation of a denial or lower offer within 30 days (50 Ill. Adm. Code 919.50(a)). Illinois sets no fixed day count to acknowledge or decide — the standard is «a reasonable time»; a first-party physical-damage claim unresolved 40 calendar days after report earns a written explanation (919.80(b)(2)).

Verified as ofSeptember 10, 2026 · Car insurance claims in Illinois →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) Contributory fault «diminishes proportionately the amount awarded as compensatory damages … but does not bar recovery except as provided in section 6», and section 6 bars the claim where the claimant’s fault «is greater than the fault of all persons whose fault proximately contributed to the claimant’s damages» (Ind. Code §§ 34-51-2-5, 34-51-2-6). The jury instruction puts it in figures — above 50 % the claim fails, at exactly 50 % the claimant recovers half (§ 34-51-2-8(b)(2)–(3)) — and the comparison includes nonparties, so a share allocated to somebody who was never sued still counts against the claimant.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] The property-damage figure carries its own date inside the operative text rather than in a history note: «Before July 1, 2018, ten thousand dollars ($10,000) … Beginning July 1, 2018, twenty-five thousand dollars ($25,000)» (Ind. Code § 9-25-4-5). The section opens «Except as provided in section 6», and § 9-25-4-6 sets much higher figures for recovery vehicles — a combined single limit of $750,000 above 16,000 pounds gross vehicle weight rating and $300,000 at or below it — so 25/50/25 is the private-car answer and not a universal one.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Accept or deny	20 days from the claim ^[3] Business days, and this clock is one the claimant starts: it runs from the insurer’s receipt of a written complaint that the commissioner has forwarded, not from the claim or the proof of loss. A claimant who believes an unfair claim settlement practice has been committed may complain to the commissioner, who has ten business days to deliver the complaint to the insurer and write back; the insurer then has twenty business days to give the commissioner and the complainant a written report with «the specific reasons for actions taken», the specific reasons for any inaction, and, if the claim is unsettled, «a good faith estimate of the time required for settlement» (Ind. Code § 27-4-1-5.6(c)–(d)). The Department states the same figure on its own complaint page. Indiana fixes no general acknowledgement, investigation, decision or payment period.

Verified as ofSeptember 11, 2026 · Car insurance claims in Indiana →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) Reduction, not a bar, until the claimant carries more than everyone else put together: «Contributory fault shall not bar recovery in an action by a claimant to recover damages for fault resulting in death or in injury to person or property unless the claimant bears a greater percentage of fault than the combined percentage of fault attributed to the defendants, third-party defendants and persons who have been released pursuant to section 668.7, but any damages allowed shall be diminished in proportion to the amount of fault attributable to the claimant» (§ 668.3(1)(a)). «Greater than» is the 51 % form, so a driver exactly half to blame still recovers half — the opposite of Kansas and Nebraska next door. The comparison is against the combined fault of all the defendants and released parties, not against each of them separately. A consortium claim is measured differently again: it is barred by the fault of the injured person, not of the family member bringing it (§ 668.3(1)(b)). Do not confuse either rule with § 668.4, which is a separate fifty-percent rule about joint and several liability among defendants.
Minimum liability coverage	Bodily injury, per person $20,000 · Bodily injury, per accident $40,000 · Property damage $15,000 ^[1] Written out in words in the statute and transcribed here, not derived: «subject to limits exclusive of interest and costs, with respect to each such motor vehicle, twenty thousand dollars because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, forty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and fifteen thousand dollars because of injury to or destruction of property of others in any one accident» (§ 321A.21(2)(b)). PUBLISHED UNDATED, deliberately: the section’s own history line names no amending act after the 1981 codification other than 2022 Acts, ch 1021, § 78, and that act was not opened, so no effective date is stated rather than a guessed one. What makes these figures a purchase mandate rather than merely financial-responsibility amounts is § 321.1(24B)(a), which defines the compulsory product as liability cover «subject to minimum limits … in the amounts specified in section 321A.21 or specified in another provision of the Code, whichever is greater». The same 20/40/15 is stated a second time, as the proof-of-financial-responsibility definition, at § 321A.1(11) — and it is that subsection, not § 321A.21, by which § 516A.1 measures the UM/UIM floor.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	15 days from the claim ^[3] Plain, unqualified days — chapter 191—15 defines no «day» and uses «business day» only in its annuity divisions. «Upon receiving notification of a claim, an insurer shall, within 15 days, acknowledge the receipt of such notice unless payment is made within that period of time» (r. 191—15.42(1)), and the rule states in its own words that «insurer» means property and casualty insurers, so it reaches a motor claim. A second, continuing fifteen-day duty runs for the life of the claim: a reply is owed within fifteen days to every pertinent communication that reasonably suggests a response is expected (r. 191—15.42(3)).
Insurer response deadlines — Accept or deny	30 days from the claim ^[3] Thirty plain days from properly executed proofs of loss, and the duty is first-party by its own words: «Within 30 days after receipt by the insurer of properly executed proofs of loss, the first-party property claimant shall be advised of the acceptance or denial of the claim by the insurer», with any denial in writing citing the provision, condition or exclusion relied on (r. 191—15.41(2)). An extension is not open-ended: written reasons are owed within thirty days and again every forty-five days after (r. 191—15.41(3)). A third-party claimant’s equivalent is worded «within a reasonable time» and fixes no day count, so none is published for it.
Insurer response deadlines — Pay	30 days from the claim ^[3] Thirty plain days from affirmation of liability, not from notice: «The insurer shall affirm or deny liability on claims within a reasonable time and shall tender payment within 30 days of affirmation of liability, if the amount of the claim is determined and not in dispute» (r. 191—15.41(6)). The affirm-or-deny half of the same subrule fixes no day count at all and must not be read as thirty days. Where several coverages are involved, an undisputed portion under one of them should be tendered within thirty days if paying it would end the insurer’s known liability under that coverage.

Verified as ofSeptember 11, 2026 · Car insurance claims in Iowa →

Fault system	No-fault
Shared-fault rule	Modified comparative (50% bar) Kansas is one of the strict states, and the wording is what makes it strict: «The contributory negligence of a party in a civil action does not bar that party or its legal representative from recovering damages for negligence resulting in death, personal injury, property damage or economic loss, if that party’s negligence was less than the causal negligence of the party or parties against whom a claim is made, but the award of damages to that party must be reduced in proportion to the amount of negligence attributed to that party» (§ 60-258a(a)). «Less than» is the 50 % form: A CRASH APPORTIONED EXACTLY FIFTY-FIFTY RECOVERS NOTHING IN KANSAS — the opposite of Iowa, which sits on the other side of the same round with a «greater than» bar. In a wrongful-death claim the decedent’s own negligence is imputed to the person claiming. Joint and several liability does not survive a comparative-negligence case: «each party is liable for that portion of the total dollar amount awarded as damages to a claimant in the proportion that the amount of that party’s causal negligence bears to the amount of the causal negligence attributed to all parties» (§ 60-258a(d)).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] DATED ON THE FACE OF THE STATUTE, which is unusual in this dataset: «Every policy of motor vehicle liability insurance issued or renewed on or after January 1, 2017 … shall … contain stated limits of liability, exclusive of interest and costs, with respect to each vehicle for which coverage is granted, not less than $25,000 because of bodily injury to, or death of, one person in any one accident and, subject to the limit for one person, to a limit of not less than $50,000 because of bodily injury to, or death of, two or more persons in any one accident, and to a limit of not less than $25,000 because of harm to or destruction of property of others in any one accident» (§ 40-3107(e)). The section’s own history line agrees: «L. 2016, ch. 72, § 1; January 1, 2017.» The unit the statute measures is the policy — issued or renewed — not the accident. NO PENDING INCREASE: subsection (j) schedules a STUDY, not a rise. «Commencing with the 2026 legislative interim period, and at least every 10 years thereafter, subject to authorization by the legislative coordinating council, a legislative interim study committee shall study the issue of whether the minimum limits of liability in subsection (e) should be adjusted.» Nothing in it raises the limits.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	30 days from the claim ^[3] Thirty plain days, and this is the PIP clock rather than a general payment duty: «Personal injury protection benefits payable under this act shall be overdue if not paid within thirty (30) days after the insurer or self-insurer is furnished written notice of the fact of a covered loss and of the amount of same, except that disability benefits payable under this act shall be paid not less than every two (2) weeks after such notice» (§ 40-3110(b)). Each part of a claim becomes overdue thirty days after the written notice supporting it. «All overdue payments shall bear simple interest at the rate of eighteen percent (18%) per annum.» The escape is stated in the same subsection: nothing is overdue where the insurer «has reasonable proof to establish that it is not responsible for the payment», even though written notice was furnished. Kansas has NO evidenced acknowledgement or affirm-or-deny deadline — see the notes.

Verified as ofSeptember 11, 2026 · Car insurance claims in Kansas →

Fault system	Choice no-fault
Shared-fault rule	Pure comparative negligence KRS 411.182 apportions fault into «each party’s equitable share of the obligation to each claimant in accordance with the respective percentages of fault», weighing both the nature of each party’s conduct and the extent of the causal relation between that conduct and the damages. Subsections (1) to (4) were read end to end and contain no percentage threshold, no bar and no «greater than fifty percent» clause, so nothing defeats a claimant at any percentage.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[7] The statute offers an either/or and both limbs are of equal standing, so the alternative is not dropped here: «Either» split limits of not less than $25,000 for all damages from bodily injury to any one person, $50,000 for all persons injured in any one accident, plus $25,000 for property damage, «or» single limits liability coverage of not less than $60,000 for all damages whether from bodily injury or property damage in any one accident (KRS 304.39-110(1)(a)1–2). Neither figure is derived from the other, so the $60,000 combined single limit is stated in words rather than converted into a value. Two dates, and both are needed: the section’s own effective date is 29 June 2017, but the property-damage figure applies to policies issued or renewed on or after 1 January 2018. The compulsory package is liability plus basic reparation benefits; for a motorcycle it is the liability limits only.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	15 days from the claim ^[6] Business days, and the regulation sets the unit once by definition rather than per subsection: «Days» means «any day, Monday through Friday, except holidays» (806 KAR 12:095 § 1(5)). So the fifteen days in which an insurer must acknowledge receipt of a claim notice, unless it pays within that period, reach about three calendar weeks (§ 5(1)). Notice given to an agent of the insurer is notice to the insurer, and supplying necessary claim forms, instructions and reasonable assistance inside the same fifteen days is compliance (§ 5(4)). Every later pertinent communication that reasonably suggests a response is expected carries its own fifteen days (§ 5(3)).
Insurer response deadlines — Accept or deny	30 days from the claim ^[6] Calendar days, expressly — this subsection overrides the regulation’s business-day default in its own words. The duty is to «offer any payment due within thirty (30) calendar days of receipt of proof of loss», which is a decision-and-offer duty rather than a bare affirm-or-deny, and on a multi-coverage claim the payments not in dispute must be tendered inside the same thirty calendar days (806 KAR 12:095 § 6(1)(a)). If more time is needed the insurer must say so within thirty calendar days and then write again at forty-five calendar days and every forty-five thereafter (§ 6(1)(c)–(d)). Where there is a supported basis to suspect the claimant caused the loss fraudulently, the day count is displaced rather than extended: the duty becomes acceptance or denial «within a reasonable time for full investigation» (§ 6(1)(b)). The affirm-or-deny duty of § 6(5) itself carries no day count at all — only «a reasonable time».
Insurer response deadlines — Pay	30 days from the claim ^[2] Statutory rather than regulatory, and the days are unqualified in the statute, so they read as calendar days: reparation benefits are payable monthly as loss accrues and are «overdue if not paid within thirty (30) days after the reparation obligor receives reasonable proof of the fact and amount of loss realized» (KRS 304.39-210(1)(a)–(c)). The same paragraph allows a lawful alternative that can push a payment past day thirty: accumulating claims for periods not exceeding thirty-one days and paying within fifteen days after the period of accumulation. A proved fragment of a claim totalling $100 or more is overdue on its own (KRS 304.39-210(1)(e)), and overdue payments bear interest at twelve percent a year, or eighteen percent «if delay was without reasonable foundation» (KRS 304.39-210(2)). The regulation adds its own payment clock at 806 KAR 12:095 § 6(5), and the unit switches inside one sentence there — thirty business days from affirmation of liability, then thirty calendar days for undisputed multi-coverage payments.

Verified as ofSeptember 11, 2026 · Car insurance claims in Kentucky →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) From 1 January 2026 a claimant whose own negligence is «equal to or greater than fifty-one percent» recovers nothing, and below that the award is reduced in proportion (C.C. art. 2323(A)(2)(a)–(b), as amended by Acts 2025, No. 15, eff. 1 Jan. 2026). The bar sits at 51 %, not at «greater than 50 %»: a claimant exactly 51 % at fault recovers nothing, one at 50.9 % recovers 49.1 %. Louisiana was a pure comparative-fault state from 1979 until 31 December 2025, and the act’s own title says it is passed «to establish a modified comparative fault system». Whether the 51 % bar reaches accidents before 1 January 2026 has not yet been verified against a primary text and is not stated here — the act fixes an effective date and says nothing else.
Minimum liability coverage	Bodily injury, per person $15,000 · Bodily injury, per accident $30,000 · Property damage $25,000 ^[1] Fifteen thousand dollars because of bodily injury to or death of one person in any one accident, thirty thousand subject to that limit for two or more persons, and twenty-five thousand because of damage to or destruction of property of others in any one accident (La. R.S. 32:900(B)(2)(a)–(c)) — the lowest bodily-injury floor in this round. No effective date is stated here: the section’s history line ends «Acts 2008, No. 921, §1, eff. Jan. 1, 2010; Acts 2011, No. 17, §1», and neither act was opened, so which of them set the $25,000 property limit is not established. A separate rule punishes being uninsured far harder than these figures suggest: under La. R.S. 32:866(A)(1) an uninsured driver — even one who did nothing wrong — has «no recovery for the first one hundred thousand dollars of bodily injury and no recovery for the first one hundred thousand dollars of property damage», subject to four listed exceptions, the figure having been raised by Acts 2025, No. 16 on a date this page does not state because the act was not opened.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	14 days from the claim ^[5] This is a duty to START ADJUSTING, not a duty to acknowledge a letter, and it is labelled that way deliberately: «Except in the case of catastrophic loss, the insurer shall initiate loss adjustment of a property damage claim and of a claim for reasonable medical expenses within fourteen days after notification of loss by the claimant» — thirty days where the loss is catastrophic (La. R.S. 22:1892(A)(3)). Failure exposes the insurer to a penalty of the greater of five thousand dollars or the amount under subsection (I). Louisiana has no acknowledgement deadline of the usual shape, and whether any Insurance Department regulation adds one has not yet been verified against a primary text.
Insurer response deadlines — Pay	30 days from the claim ^[5] Plain days, not business days, and there are two different triggers in adjacent paragraphs which this page does not merge. A first-party claim must be paid «within thirty days after receipt of satisfactory proofs of loss from the insured or any party in interest» (La. R.S. 22:1892(A)(1)). A third-party property damage claim or reasonable medical expenses claim must be paid «within thirty days after written agreement of settlement» (A)(2) — so the third-party clock starts at the written settlement, not at the crash and not at proofs of loss. A missed deadline is not automatically a penalty: subsection (B)(1)(a) awards fifty percent of the amount due, or one thousand dollars, whichever is greater, plus reasonable attorney fees and costs, only where the failure «is found to be arbitrary, capricious, or without probable cause», and a claim for those penalties itself prescribes in two years.

Verified as ofSeptember 11, 2026 · Car insurance claims in Louisiana →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (50% bar) MAINE’S SHARED-FAULT RULE IS UNLIKE ANY OTHER IN THIS DATASET AND MUST NOT BE FLATTENED INTO A PERCENTAGE — THE LABEL «modified-50» CARRIES THE BAR AND NOTHING ELSE, BECAUSE THE STATUTE PROMISES NO PROPORTIONAL ARITHMETIC AT ALL. «When any person suffers death or damage as a result partly of that person’s own fault and partly of the fault of any other person or persons, a claim in respect of that death or damage MAY NOT BE DEFEATED BY REASON OF THE FAULT OF THE PERSON SUFFERING THE DAMAGE, BUT THE DAMAGES RECOVERABLE IN RESPECT THEREOF MUST BE REDUCED TO SUCH EXTENT AS THE JURY THINKS JUST AND EQUITABLE HAVING REGARD TO THE CLAIMANT’S SHARE IN THE RESPONSIBILITY FOR THE DAMAGE. … the court shall instruct the jury to find and record the total damages that would have been recoverable if the claimant had not been at fault, AND FURTHER INSTRUCT THE JURY TO REDUCE THE TOTAL DAMAGES BY DOLLARS AND CENTS, AND NOT BY PERCENTAGE, to the extent considered just and equitable …, and instruct the jury to return both amounts WITH THE KNOWLEDGE THAT THE LESSER FIGURE IS THE FINAL VERDICT in the case. … “Fault” means negligence, breach of statutory duty or other act or omission that gives rise to a liability in tort … IF SUCH CLAIMANT IS FOUND BY THE JURY TO BE EQUALLY AT FAULT, THE CLAIMANT MAY NOT RECOVER» (14 M.R.S. § 156). So TWO THINGS ARE TRUE AT ONCE AND BOTH MATTER. The bar is at equality — a claimant found EQUALLY at fault recovers nothing, so a fifty-fifty crash in Maine recovers nothing, the same outcome as Idaho, Kansas, Nebraska and North Dakota. But between zero and equal fault the reduction is whatever the jury thinks just and equitable, expressed IN DOLLARS AND CENTS AND EXPRESSLY NOT AS A PERCENTAGE, with the jury returning the gross figure and the reduced figure and the lesser one entering as the verdict. A READER TOLD «MAINE IS MODIFIED COMPARATIVE AT 50 %» WILL EXPECT A CLAIMANT 30 % AT FAULT TO LOSE EXACTLY 30 %, AND MAINE’S STATUTE DOES NOT PROMISE THAT. The multi-defendant rule points the opposite way from Idaho’s: «In a case involving multiparty defendants, EACH DEFENDANT IS JOINTLY AND SEVERALLY LIABLE TO THE PLAINTIFF FOR THE FULL AMOUNT OF THE PLAINTIFF’S DAMAGES. However, any defendant has the right through the use of special interrogatories to request of the jury the percentage of fault contributed by each defendant.» So Maine keeps joint and several liability in full — a solvent defendant can be made to pay everything — and percentages between defendants are found only if a defendant asks for them, where Idaho’s § 6-803(3) abolishes joint liability outside concert and agency. The price is the settlement machinery: releasing one defendant under an agreement that precludes collecting its share entitles it to be «dismissed with prejudice», bars contribution claims against it, and leaves the remaining parties to conduct discovery and invoke the evidentiary rules «as if the released and dismissed defendant were still a party» (§ 156(1)–(2)).
Minimum liability coverage	Bodily injury, per person $50,000 · Bodily injury, per accident $100,000 · Property damage $25,000 ^[1] THE HIGHEST COMPULSORY LIABILITY FLOOR ON ANY US ROW IN THIS DATASET — TWICE IDAHO’S 25/50/15 ON BOTH BODILY-INJURY LIMBS — AND THE PARAGRAPH HAS FIVE LIMBS, NOT THREE, WHICH NO THREE-NUMBER SUMMARY OF MAINE CONVEYS. «Proof of financial responsibility. 1. Requirements. To be accepted as proof of financial responsibility, a policy must: … C. Be in the amount or limit of at least: (1) For damage to property, $25,000; (2) For injury to or death of any one person, $50,000; (3) For one accident resulting in injury to or death of more than one person, $100,000; (4) FOR MEDICAL PAYMENTS PURSUANT TO SECTION 1605-A, $2,000; and (5) FOR TOWING AND STORAGE CHARGES PURSUANT TO SECTION 1605-B, $500» (29-A M.R.S. § 1605(1)(C)). Note also the order the statute uses — property first, then the two injury limbs — which is the reverse of every other state’s drafting in this dataset and is an easy way to transpose the figures. Every qualifying policy must additionally contain the condition that the obligor «must, WITHIN 30 DAYS OF RENDITION OF JUDGMENT, SATISFY THE JUDGMENT» in an action for property damage or bodily injury including death, accidentally sustained during the term of the policy by a person other than the insured, and arising out of the use of a vehicle «within the limits of the United States of America OR CANADA» (§ 1605(1)(B)) — worth stating for a state that borders two Canadian provinces. Operating without the required proof is treated as a CRIME and not an infraction: «A person commits a Class D crime if that person is required to maintain proof of financial responsibility and, without authorization from the Secretary of State and without that proof, operates a vehicle or knowingly permits a vehicle owned by that person to be operated by another on a public way» (§ 1605(6)), a notably harder line than Idaho’s $75 first-offence infraction. PUBLISHED UNDATED, AND UNLIKE IDAHO AND NORTH DAKOTA MAINE’S OWN STATUTE NAMES THE PROVISION THAT CARRIES THE DATE, WHICH IS WHY THE OMISSION IS DELIBERATE RATHER THAN RESIGNED: the bracketed note reads «[PL 2023, c. 395, Pt. A, §1 (AMD); PL 2023, c. 395, Pt. A, §4 (AFF).]», and «(AFF)» is the Revisor’s own marker for a provision affecting applicability or commencement — so section 4 of that Part is what fixes the date. It could not be read: legislature.maine.gov/legis/statutes/searchsl.asp returns 404 and legislature.maine.gov/ros/LOM/ returns 403, so the session laws were unreachable at every rung tried. One reading of PL 2023, c. 395, Pt. A, § 4 closes this completely. Note too that PL 2023, c. 395 is the act that ADDED limbs (4) and (5) to the list. The commencement of the 50/100/25 limits has not yet been verified against a primary text and is not stated here.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Accept or deny	30 days from the claim ^[3] THIRTY DAYS TO DISPUTE OR PAY, AND THE SAME SENTENCE DOES BOTH JOBS: «A claim for payment of benefits under a policy or certificate of insurance delivered or issued for delivery in this State is payable within 30 days after proof of loss is received by the insurer AND ascertainment of the loss is made either by written agreement between the insurer and the insured or beneficiary or by filing with the insured or beneficiary of an award by arbitrators as provided for in the policy. … A CLAIM THAT IS NEITHER DISPUTED NOR PAID WITHIN 30 DAYS IS OVERDUE. If, during the 30 days, the insurer, IN WRITING, notifies the insured or beneficiary that reasonable additional information is required, the undisputed claim is not overdue until 30 days following receipt by the insurer of the additional required information» (24-A M.R.S. § 2436(1)). THE TRIGGER IS TWO EVENTS, NOT ONE — proof of loss AND ascertainment of the loss — so the clock does not start on the notice of claim. The restart on additional information happens ONLY IF THE INSURER ASKED IN WRITING within the original thirty days; an oral request does not stop it. The fire and life exceptions in the same subsection are quoted so nobody imports them: a standard fire policy gets 60 days and individual life insurance 2 months, and NEITHER REACHES A MOTOR CLAIM. AND THE UNIT IS SETTLED BY THE LEGISLATURE’S OWN DRAFTING rather than by inference: subsection (1-A) says «30 CALENDAR days» where several carriers may be liable, so the plain «30 days» of subsection (1) are calendar days too and are expressly NOT working days.
Insurer response deadlines — Pay	30 days from the claim ^[3] The SAME thirty days of § 2436(1): the claim «is payable within 30 days» and one that is «neither disputed nor paid within 30 days is overdue», so the decision and the payment share a single deadline rather than running consecutively as they do in Iowa, Kansas, Nebraska and West Virginia. Where more than one carrier may be liable the point is put beyond doubt: a claimant «may submit simultaneously a claim for payment with all carriers potentially liable», and «PAYMENT OR DENIAL of a claim by each carrier must be made within 30 CALENDAR days after the carrier has received all information needed to pay or deny the claim WHETHER OR NOT ANOTHER CARRIER with which it is attempting to coordinate has acted on the claim» (§ 2436(1-A), amended by PL 2025, c. 300) — so a Maine carrier may not wait on a co-ordinating carrier. MAINE STACKS BOTH CONSEQUENCES THAT OTHER STATES USE SINGLY: «the amount of the overdue claim or part of the claim bears interest at the rate of 1 1/2% per month after the due date», the same rate as Hawaii; AND «a reasonable attorney’s fee for advising and representing a claimant on an overdue claim … must be paid by the insurer if overdue benefits are recovered in an action against the insurer OR IF OVERDUE BENEFITS ARE PAID AFTER RECEIPT OF NOTICE OF THE ATTORNEY’S REPRESENTATION» (§ 2436(3)–(4)). That second limb is the practically useful one and appears on no other row in this dataset: the fee is owed even where the insurer simply pays up once it learns a lawyer is involved, with no judgment at all.

Verified as ofSeptember 11, 2026 · Car insurance claims in Maine →

Fault system	No-fault
Shared-fault rule	Pure comparative negligence Contributory negligence «is not a bar to the recovery of damages», and where the plaintiff’s negligence contributed «the court shall apportion the damages in proportion to the degree of negligence found against the plaintiff and defendant respectively» (Tortfeasors and Contributory Negligence Act, s. 4); where apportionment is not practicable the parties «shall be deemed equally negligent» (s. 6). Because injury actions are abolished, the rule does its work on property damage.
Minimum liability coverage	Combined single limit CA$500,000 ^[4] A limit two and a half times the $200,000 that Ontario, Alberta, British Columbia and Saskatchewan require, and it comes from a regulation rather than the Act: the corporation «shall not pay insurance moneys under Division IV, V or VI, in an amount greater than $500,000 in aggregate, exclusive of costs», for bodily injury, death or property damage arising out of any one accident, with property claims taking priority to the extent of $50,000 (Man. Reg. 290/88 R, s. 117(1)). The buy-up classes are defined as extensions «from $500,000» to one, two or five million (ss. 127(1), 133).
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Accept or deny	30 days from the claim ^[1] This is the review clock, not a first-instance one: a claimant may apply in writing for a review «within 60 days after receiving notice of a decision», and «the corporation shall respond to the claimant within 30 days after receiving an application for review» (MPIC Act, s. 172(1), (3)). Every decision on a claim must be given in writing with reasons (s. 170(1)), and a review decision carries written reasons too (s. 173(2)), after which the claimant has 90 days to appeal to the Automobile Injury Compensation Appeal Commission (s. 174(1)). Whether any provision fixes a time for MPI to decide a claim in the first instance has not yet been verified against a primary text.

Verified as ofSeptember 10, 2026 · Car insurance claims in Manitoba →

Fault system	Add-on no-fault
Shared-fault rule	Contributory negligence Maryland keeps the common-law contributory-negligence bar, and there is no percentage to publish: a claimant the fact-finder finds negligent recovers nothing, with no apportionment. The Court of Appeals declined to abandon the doctrine in 2013 — «although this Court has the authority to change the common law rule of contributory negligence, we decline to abrogate Maryland’s long-established common law principle of contributory negligence» — and described the effect in the case before it: «Because of the contributory negligence finding, Coleman was barred from any recovery» (Coleman v. Soccer Association of Columbia, 432 Md. 679 (2013)). One statutory carve-out matters in a motor claim: failure to wear a seat belt may not «be considered evidence of contributory negligence», may not limit a party’s or an insurer’s liability, and may not be referred to at trial (Transportation § 22-412.3(h)).
Minimum liability coverage	Bodily injury, per person $30,000 · Bodily injury, per accident $60,000 · Property damage $15,000 ^[2] Claims for bodily injury or death «of up to $30,000 for any one person and up to $60,000 for any two or more persons, in addition to interest and costs», and property damage «of up to $15,000, in addition to interest and costs» (Transportation § 17-103(b)(1)–(2)). Those four words are unusual and favour the claimant: interest and costs sit on top of the limits rather than inside them. The statute prints no superseded tier and states no effective date, and none is inferred here — the section’s history was not available from the publisher, so no year is given. The same subsection makes the compulsory security three components, not one: liability cover, the § 19-505 first-party benefits «as to basic required primary coverage» unless waived or rejected, and uninsured motorist cover «as to required additional coverage».
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	30 days from the claim ^[3] Plain days, and confined to the compulsory first-party benefits rather than to a liability settlement or a vehicle-damage payment: an insurer «shall make all payments of the benefits described in § 19-505 of this subtitle periodically as claims for the benefits arise and within 30 days after the insurer receives satisfactory proof of claim» (Insurance § 19-508(a)(1)), and overdue payments «shall bear simple interest at the rate of 1.5% per month» (§ 19-508(c)). A separate pair of clocks governs the uninsured and enhanced underinsured motorist route: once the claimant sends the liability insurer’s exhausting settlement offer to the UM insurer by certified mail, that insurer has 60 days to consent or refuse in writing and, if it refuses, 30 days to pay the amount of the offer itself (§§ 19-511(b)–(d), 19-511.1(b)–(d)). Maryland fixes no general acknowledgement, investigation or affirm-or-deny period in statute.

Verified as ofSeptember 10, 2026 · Car insurance claims in Maryland →

Fault system	No-fault
Shared-fault rule	Modified comparative (51% bar) Contributory negligence «shall not bar recovery … if such negligence was not greater than the total amount of negligence attributable to the person or persons against whom recovery is sought», and damages are «diminished in proportion» to it; assumption of risk is abolished and the claimant «shall be presumed to have been in the exercise of due care» (M.G.L. c. 231, § 85).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $30,000 ^[1] Bodily injury «not less than $25,000 on account of injury to or death of any one person» and «not less than $50,000 on account of any one accident» (M.G.L. c. 90, § 34A), with property damage liability compulsory alongside it at «not less than $30,000 … in any one accident» (§ 34O). Both apply to policies issued or renewed on or after 1 July 2025 (St. 2024, c. 275, § 4), so a policy written in June 2025 and not yet renewed can still carry the earlier limits. The alternative instrument § 34A allows, a motor vehicle liability bond, was not raised: its definition still reads twenty thousand and forty thousand dollars. Every policy also carries personal injury protection of at least $8,000 per person (§ 34A).
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Acknowledge the claim	2 days from the claim ^[6] Business days, and an assignment duty rather than an acknowledgement duty: «Assignment of an appraiser shall be made within two business days of the receipt of such claim», counted from an oral or written claim, and disapplied where the loss less any applicable deductible is under $1,500 (212 CMR 2.04(1)(a)). The appraisal itself must be transmitted within five business days of assignment.
Insurer response deadlines — Accept or deny	15 days from the claim ^[3] Working days, in the statute’s own words, and triggered by the claimant’s written demand rather than by the accident: «The insurer shall, within fifteen working days after receipt of such written demand respond in writing setting forth its decision as to whether it accepts the claim, accepts a part of the claim, rejects the claim, or … the amount at which it is willing to compromise the claim» (M.G.L. c. 90, § 34O). The same section protects the claimant against the insured’s late notice provided the claimant sends the insurer written notice of the accident within thirty days of it.
Insurer response deadlines — Pay	10 days from the claim ^[2] «upon notification of disability from a licensed physician, the insurer shall commence medical payments within ten days or give written notice of its intent not to make such payments, specifying reasons for said nonpayment»; benefits unpaid for more than thirty days make the unpaid party a party to a contract with the insurer, with a right to sue in contract and, on any recovery, costs and reasonable attorney’s fees (M.G.L. c. 90, § 34M). The statute says «days», not calendar or working days. On a first-party vehicle claim the count is seven days from receipt of the completed-work claim form (c. 90, § 34O).

Verified as ofSeptember 10, 2026 · Car insurance claims in Massachusetts →

Fault system	At-fault (tort)
Shared-fault rule	Not yet verified Not settled on the texts read. The only shared-fault provision in the federal civil code is an all-or-nothing defence: the defendant escapes liability by proving the harm followed from «culpa o negligencia inexcusable de la víctima» (Código Civil Federal arts. 1910 and 1913), which is a complete answer and not a percentage reduction. Ordinary crash liability is in any case governed by the 32 state civil codes, because the federal code applies only to federal matters (art. 1º); whether a state court reduces an award for a victim’s ordinary negligence has not yet been verified against a primary text and is not stated here.
Minimum liability coverage	Compulsory scheme: Seguro obligatorio de responsabilidad civil en vías, caminos y puentes federales (Ley de Caminos, Puentes y Autotransporte Federal art. 63 Bis; ACUERDO 07/2014 de la SHCP, Regla TERCERA) ^[3] Federal-road scope, not a nationwide rule. Art. 63 Bis of the Ley de Caminos, Puentes y Autotransporte Federal requires every vehicle using federal roads, bridges and highways to carry cover for damage to third parties, and leaves the sums to the Secretaría de Hacienda y Crédito Público on the opinion of the Comisión Nacional de Seguros y Fianzas. The Secretaría fixed them in ACUERDO 07/2014 (DOF 27 March 2014), Regla Tercera: a minimum of MXN 50,000 for property damage and MXN 100,000 for injury and death. The phase-in ran by model year and invoice value and ended in 2019, from which point both covers apply to every model at any value. Driving on a state road is governed by state law, which was not read. Art. 145 of the Ley sobre el Contrato de Seguro binds the insurer to the sums in force when the contract was made, so an older policy is read against the figures of its own year.
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Pay	30 days from the claim ^[1] The clock runs from complete documentation, not from the crash and not from the notice: «El crédito que resulte del contrato de seguro vencerá treinta días después de la fecha en que la empresa haya recibido los documentos e informaciones que le permitan conocer el fundamento de la reclamación» (Ley sobre el Contrato de Seguro art. 71). A clause making the debt payable only once the insurer has acknowledged it, or a court has proved it, is void.

Verified as ofSeptember 10, 2026 · Car insurance claims in Mexico →

Fault system	No-fault
Shared-fault rule	Modified comparative (51% bar) Damages are reduced by the claimant’s share of fault, and where that share «is greater than the aggregate fault of the other person or persons» the court «shall reduce economic damages by the percentage of comparative fault … and noneconomic damages shall not be awarded» (MCL 600.2959) — so only noneconomic damages are barred, and economic damages survive pro rata. Inside the no-fault chapter itself, «damages must not be assessed in favor of a party who is more than 50% at fault», and none are assessed in favour of a party driving without the statutory security (MCL 500.3135(2)(b)–(c)).
Minimum liability coverage	Bodily injury, per person $250,000 · Bodily injury, per accident $500,000 · Property damage $10,000 ^[7] Residual liability after 1 July 2020: not less than $250,000 for bodily injury to or death of one person, $500,000 for two or more, and $10,000 for injury to or destruction of the property of others; before 2 July 2020 the first two figures were $20,000 and $40,000, and the statute prints both sets side by side (MCL 500.3009(1)). The true floor is lower: a named insured may choose limits «not lower than $50,000.00 under subsection (1)(a) and $100,000.00 under subsection (1)(b)» on a form issued by the director, and 250/500 applies only where no effective choice was made (§ 500.3009(5), (8)). The section as read carries no amendment after 2019 PA 22 and states its own currency as complete through Public Act 5 of 2025, so an act of a later session moving these amounts cannot be excluded.
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Acknowledge the claim	30 days from the claim ^[5] Outside chapter 31: «An insurer shall specify in writing the materials that constitute a satisfactory proof of loss not later than 30 days after receipt of a claim unless the claim is settled within the 30 days», after which the amount supported by proof of loss is timely if paid within 60 days, and unpaid benefits bear 12 % simple interest from day 60 (MCL 500.2006(3)–(4)). Where this section and chapter 31 are specifically inconsistent, chapter 31 governs (§ 500.2006(6)), so for personal protection benefits the operative clock is MCL 500.3142. For a third-party tort claimant the interest additionally turns on bad faith found by a court, so the 60-day rule is not symmetrical between first and third party.
Insurer response deadlines — Pay	30 days from the claim ^[5] Personal protection insurance benefits «are overdue if not paid within 30 days after an insurer receives reasonable proof of the fact and of the amount of loss sustained», and «an overdue payment bears simple interest at the rate of 12% per annum» (MCL 500.3142(2), (4)); where a bill for a product, service, accommodation or training reaches the insurer more than 90 days after it was provided, the insurer gets 60 days in addition to the 30 (§ 500.3142(3)). The statute says 30 and 60 days without saying calendar or working, and no word is added here.

Verified as ofSeptember 10, 2026 · Car insurance claims in Michigan →

Fault system	At-fault (tort)
Shared-fault rule	Not yet verified Missouri’s shared-fault rule for an ordinary collision is judge-made, and it is not published as a value here. § 537.765, often cited for it, abolishes the contributory-fault bar and applies «the doctrine of pure comparative fault» expressly and only «in a products liability claim», so it does not reach a crash. Federal opinions published by the Government Publishing Office characterise Gustafson v. Benda, 661 S.W.2d 11 (Mo. 1983) (en banc) as having adopted pure comparative fault, but the Missouri Supreme Court’s own text could not be read and that characterisation is not a verified reading of it. What statute does fix is the defendants’ side: in all tort actions a defendant at fifty-one percent or more of the fault is jointly and severally liable for the whole judgment, and one below that share pays only its own percentage (§ 537.067.1) — a rule about defendants, not a bar on the claimant.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] $25,000 for bodily injury to or death of one person, $50,000 for two or more, $25,000 for property damage (§ 303.190.2(2), RSMo). The property-damage figure has been $25,000 only since 1 July 2019, when S.B. 708 of 2018 raised it from $10,000; the Revisor still prints both versions of the section, so the widely repeated «25/50/10» is a real Missouri figure that stopped being the law on that date. The bodily-injury figures did not move. The policy may exclude a specifically excluded household driver (§ 303.190.2(3)) and workers’-compensation, employee-injury and in-charge-property liability (§ 303.190.5).
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Acknowledge the claim	10 days from the claim ^[3] Working days, not calendar days: the insurer may acknowledge a first-party claimant’s notification by paying, by writing, or by an oral acknowledgment noted and dated in the claim file, in each case «within ten (10) working days» of receipt, and the same ten working days apply to «all communications from any claimant that reasonably suggests a response is expected» (20 CSR 100-1.030(1)(A)1.–3., (1)(B)). Providing the necessary claim forms, instructions and assistance within the same ten working days is itself compliance (§ 100-1.030(3)), and notification to any agent or producer representing the insurer counts as notification to the insurer. The statute adds one calendar-day figure of its own: fifteen calendar days to provide the forms needed to present a claim (§ 375.1007(13), RSMo).
Insurer response deadlines — Accept or deny	15 days from the claim ^[3] Working days, and the trigger is not notice of the claim: «within fifteen (15) working days after the submission of all forms necessary to establish the nature and extent of any claim, the first-party claimant shall be advised of the acceptance or denial of the claim», and no claim may be denied on a specific policy provision, condition or exclusion unless the denial refers to it, in writing, with a copy in the file (20 CSR 100-1.050(1)(A)). If the insurer needs more time it must say so inside the same window with its reasons, and then write again «within forty-five (45) days» — plain days, in the same rule — and every forty-five days after (§ 100-1.050(1)(C)). Missouri has no investigation clock: the rule that once set one, 20 CSR 100-1.040, stands in the chapter under the words «(Rescinded July 30, 2008)».

Verified as ofSeptember 11, 2026 · Car insurance claims in Missouri →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) Montana’s bar bites only ABOVE fifty per cent, and the section carries TWO texts, each labelled by the publisher, of which the operative one is the one marked «(Temporary)». «27-1-702. (Temporary) Comparative negligence — extent to which contributory negligence bars recovery in action for damages. Contributory negligence does not bar recovery in an action by a person … to recover damages for negligence resulting in death or injury to the person or property IF THE CONTRIBUTORY NEGLIGENCE WAS NOT GREATER THAN THE NEGLIGENCE OF THE PERSON OR THE COMBINED NEGLIGENCE OF ALL PERSONS AGAINST WHOM RECOVERY IS SOUGHT, but any damages allowed MUST BE DIMINISHED IN THE PROPORTION TO THE PERCENTAGE OF NEGLIGENCE ATTRIBUTABLE TO THE PERSON RECOVERING. (Terminates on occurrence of contingency--sec. 11(2), Ch. 429, L. 1997.)» «Not greater than» is the 51 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN MONTANA RECOVERS HALF — the same camp as Iowa, West Virginia, Hawaii, Vermont and Wyoming, and the opposite of Idaho, Kansas, Nebraska, Maine and North Dakota. Note also that the denominator is the COMBINED negligence of all the persons sued, which helps a claimant facing several defendants, and that the reduction here IS proportional and by percentage — unlike Maine’s § 156, which forbids a percentage reduction. TWO THINGS ABOUT THE LABELS MUST BE GOT RIGHT AND NEITHER MAY BE AVERAGED AWAY. FIRST, «TEMPORARY» DOES NOT MEAN SHORT-LIVED: this text terminates only on a contingency fixed by section 11(2) of chapter 429 of the Laws of 1997, and that contingency has not occurred — so the «(Temporary)» text is the law, and a secondary description will quote whichever of the two it happens to have copied. SECOND, THE CONTINGENT SUCCESSOR TEXT WOULD CHANGE THE DENOMINATOR AND COULD DEFEAT A CLAIMANT THE PRESENT TEXT ALLOWS TO RECOVER: «27-1-702. (Effective on occurrence of contingency) Comparative fault … if the contributory fault was not greater than the fault of the defendant OR THE COMBINED FAULT OF ALL DEFENDANTS AND NONPARTIES» — adding non-parties to the comparison, which is materially wider. The contingency itself was not opened, so what is published is the operative text with the pending alternative disclosed beside it.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $20,000 ^[1] TWENTY THOUSAND FOR PROPERTY DAMAGE, NOT TWENTY-FIVE. «A motor vehicle liability policy must: … (b) insure the person named in the policy AND ANY OTHER PERSON, AS INSURED, USING ANY MOTOR VEHICLE … WITH THE EXPRESS OR IMPLIED PERMISSION OF THE NAMED INSURED, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of the motor vehicle … WITHIN THE UNITED STATES OF AMERICA OR CANADA, subject to limits EXCLUSIVE OF INTEREST AND COSTS, with respect to each motor vehicle, as follows: (i) $25,000 because of bodily injury to or death of one person in any one accident and subject to the limit for one person; (ii) $50,000 because of bodily injury to or death of two or more persons in any one accident; and (iii) $20,000 because of injury to or destruction of property of others in any one accident» (§ 61-6-103(1)(b)). The cover must reach any PERMISSIVE USER and not only the named insured, the territorial scope is the United States and Canada, and because the limits are «exclusive of interest and costs» a judgment’s interest is not eaten by the cap. ONE SENTENCE CLOSES THE COMMONEST ROUTE AROUND A STATUTORY MINIMUM AND NO OTHER JURISDICTION IN THIS DATASET SAYS IT: «A reduced limits endorsement may not be issued by a company to be attached to a policy issued in compliance with this section» (§ 61-6-103(12)). PUBLISHED UNDATED. The section’s history line was read in full and ends «amd. Sec. 1, Ch. 216, L. 2015» — chapter 216 of the Laws of 2015 is the most recent amendment to the section that fixes the limits, and no earlier chapter in the line can be excluded as the source of any individual figure. The act itself could not be reached: archive.legmt.gov/bills/2015/sesslaws/ch0216.htm returns the host’s 49,280-byte styled 404, and no other session-law route was found. So MONTANA IS IN A BETTER POSITION THAN IDAHO FOR A FUTURE VERIFIER — one named act rather than sixteen candidates — and a worse one than Delaware, whose session law was actually read. The commencement of the 25/50/20 limits has not yet been verified against a primary text and is not stated here.
Uninsured / underinsured motorist cover	Mandatory

Verified as ofSeptember 11, 2026 · Car insurance claims in Montana →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (50% bar) Nebraska reaches Kansas’s strict result through different words: «Any contributory negligence chargeable to the claimant shall diminish proportionately the amount awarded as damages for an injury attributable to the claimant’s contributory negligence but shall not bar recovery, except that if the contributory negligence of the claimant is equal to or greater than the total negligence of all persons against whom recovery is sought, the claimant shall be totally barred from recovery» (§ 25-21,185.09). «Equal to or greater than» is the 50 % form: A CRASH APPORTIONED EXACTLY FIFTY-FIFTY RECOVERS NOTHING IN NEBRASKA, and the comparison is against the TOTAL negligence of everyone sued, not against each defendant. The same section gives a procedural right worth knowing: «The jury shall be instructed on the effects of the allocation of negligence.» One regulation exists because the bar is otherwise a bargaining weapon: «Insurers shall not assign a percentage of negligence to a claimant for the purpose of reducing a settlement, when there exists no reasonable evidence upon which the assigned percentage of negligence could be based» (210 Neb. Admin. Code ch. 60, § 008.06) — found in no other state’s claims rule in this dataset.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] The figures are written out in words and transcribed here: a motor vehicle liability policy must insure «against loss from the liability imposed by law» for damages arising out of the ownership, maintenance or use of the vehicle, «subject to limits exclusive of interest and costs, with respect to each such motor vehicle as follows: Twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to such limit for one person, fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and twenty-five thousand dollars because of injury to or destruction of property of others in any one accident» (§ 60-534). PUBLISHED UNDATED: six acts touch the section — 1949, 1959, 1965, 1973, 1983 (LB 253) and 1999 (LB 704) — and none was opened, so no commencement is stated rather than a guessed one. TWO CAUTIONS TRAVEL WITH THE CITATION. First, § 60-534 sits in the Motor Vehicle Safety Responsibility Act, and the Revisor’s own annotation limits its omnibus clause to policies certified to reinstate a suspended licence or registration; the AMOUNTS are the statutory limits, but the general purchase mandate is § 60-3,167, which makes it unlawful for an owner to allow operation «without having a current and effective automobile liability policy, evidence of insurance, or proof of financial responsibility». The two sections belong together and are cited together. Second, § 60-3,167 was amended by Laws 2026, LB972, § 51, with the section’s own line reading «Operative Date: July 18, 2026»; the text read already carries the amended wording with that date stated on its face.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Acknowledge the claim	15 days from the claim ^[3] FIFTEEN WORKING DAYS, NOT CALENDAR DAYS — the rule defines the unit for the whole chapter in its own definitions: «003.05 “Days” means working days». So «Every insurer, upon receiving notification of a claim shall, within fifteen (15) days, acknowledge the receipt of such notice unless payment is made within that period of time» (§ 006.01) is about three calendar weeks, not two. Notice to the insurer’s agent counts as notice to the insurer, unless the agent tells the claimant it is not authorised to receive notices of claim. Three parallel fifteen-working-day duties run beside it: a reply to any pertinent communication expecting a response (§ 006.03), supply of the necessary claim forms, instructions and reasonable assistance (§ 006.04), and an express duty to «initiate investigation» of the claim (§ 007). The statute independently confirms the unit: § 44-1540(14) fixes «fifteen working days» for claim forms.
Insurer response deadlines — Accept or deny	15 days from the claim ^[3] Fifteen WORKING days again, and Nebraska’s trigger and its reach are both wider than most: «Within fifteen (15) days after receipt by the insurer of settlement information or a properly executed proof of loss, the claimant shall be advised of the acceptance or denial of the claim by the insurer», with any denial in writing citing the provision, condition or exclusion relied on and documented in the claim file (§ 008.01). The trigger is settlement information OR a proof of loss, whichever arrives first — broader than Iowa’s proof-of-loss-only trigger — and «claimant» is defined at § 003.04 to include THIRD-PARTY claimants, so the decision duty reaches the other driver’s claimant and not only the insured. An extension costs a written reason within fifteen days and a fresh written reason every thirty days after, and stops once the claim is in litigation (§ 008.02).
Insurer response deadlines — Pay	15 days from the claim ^[3] Fifteen WORKING days from the claimant’s ACCEPTANCE, and it is the second of two distinct clocks in one subsection, which must not be merged: «In cases where there is no dispute as to coverage as to one or more portions of the insurance policy and where liability has become reasonably clear, the insurer shall offer to claimants, within fifteen (15) days of receipt of settlement information, amounts within policy limits which are fair and reasonable as shown by the insurer’s completed investigation. The insurer shall tender payment within fifteen (15) days of claimant’s acceptance» (§ 008.04). The same subsection requires payment of an undisputed portion notwithstanding disputes about other portions.

Verified as ofSeptember 11, 2026 · Car insurance claims in Nebraska →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) A claimant’s comparative negligence «does not bar a recovery if that negligence was not greater than the negligence or gross negligence of the parties to the action against whom recovery is sought» (NRS 41.141(1)), and where several defendants are sued the comparison is against their combined negligence (NRS 41.141(2)(a)). So a fifty-fifty crash still recovers half.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $20,000 ^[1] Every owner of a vehicle registered or required to be registered in Nevada must «continuously provide» insurance of $25,000 for bodily injury to or death of one person in any one crash, $50,000 subject to that limit for two or more persons, and $20,000 for injury to or destruction of the property of others, «for the payment of tort liabilities» (NRS 485.185(1)). The duty is continuous, not merely a condition of registration, and mopeds are excepted. No effective date is stated here: the section’s history line ends «2017, 1340», and that act was not opened, so when the current figures began is not established.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	20 days from the claim ^[6] Working days, and the rule says so: every insurer must acknowledge receipt of a claim notice within 20 working days unless it pays within that time, and notice given to an agent of the insurer is notice to the insurer (NAC 686A.665(1)). Supplying claim forms, instructions and reasonable assistance inside the same 20 working days is compliance (NAC 686A.665(4)). The insurer must also begin investigating within 20 working days and complete the investigation within 30 plain days unless that reasonably cannot be done (NAC 686A.670).
Insurer response deadlines — Accept or deny	30 days from the claim ^[6] Working days: «Within 30 working days after receipt by the insurer of properly executed proofs of loss, the first-party claimant must be advised of the acceptance or denial of the claim.» A denial must be in writing and may not rest on a policy provision, condition or exclusion unless the denial refers to it (NAC 686A.675(1)). If more time is needed the insurer must say so within the same 30 working days and write again every 30 days with reasons (NAC 686A.675(3)).
Insurer response deadlines — Pay	30 days from the claim ^[6] Plain days here, and the unit switch is inside the same sentence pair as the 30 working days above: «If the claim of the first-party claimant is accepted, the insurer shall pay the claim within 30 days after it is accepted. If the accepted claim is not paid within that period, the insurer shall pay interest on the claim at the rate of interest established pursuant to NRS 99.040» (NAC 686A.675(1)). Where part of a claim is disputed, the undisputed portion must be paid anyway if that can be done without prejudice to an interested party (NAC 686A.675(7)).

Verified as ofSeptember 11, 2026 · Car insurance claims in Nevada →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Shared fault reduces a New Brunswick award; it never extinguishes it. «Where by the fault of two or more persons damage or loss is caused to one or more of them, the liability to make good the damage or loss is in proportion to the degree in which each person was at fault but if, having regard to all the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally», and nothing in that section operates «so as to render any person liable for any damage or loss to which his fault has not contributed» (Contributory Negligence Act, R.S.N.B. 1973, c. C-19, s. 1(1)–(2)). No percentage bars recovery. Where two or more persons are found at fault «they are jointly and severally liable to the person suffering the damage or loss», contributing between themselves in proportion to fault (s. 2(2)) — so a claimant may recover the whole reduced award from one of several at-fault drivers. Fault and its degrees are questions of fact (s. 5), and «unless the judge otherwise directs, the liability for costs of the parties shall be in the same proportion as the liability to make good the loss or damage» (s. 7(2)), which is the practical sting of a partial-fault finding. The text read is the publisher’s consolidation to 1 September 2011.
Minimum liability coverage	Combined single limit CA$200,000 ^[1] «Every contract evidenced by a motor vehicle liability policy insures, in respect of any one accident, to the limit of at least two hundred thousand dollars exclusive of interest and costs, against liability resulting from bodily injury to or the death of one or more persons and loss of or damage to property» (Insurance Act, R.S.N.B. 1973, c. I-12, s. 243(1)) — a single combined limit, less than half Nova Scotia’s CAD 500,000 next door. The Act then divides it, which is exactly the detail a combined limit hides: injury and death claims «have priority to the extent of one hundred and eighty thousand dollars» over property claims, and property claims «have priority to the extent of twenty thousand dollars» over injury and death claims (s. 243(2)). An insurer may instead write two separate limits of at least CAD 200,000 each, one for injury and one for property (s. 243(3)) — materially better cover for the same statutory compliance. The limit attaching to the compulsory uninsured and unidentified motorist coverage was not read and is not published.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	60 days from the claim ^[1] «The insurer shall pay the insurance money for which it is liable under this contract within sixty days after the proof of loss has been received by it or, where an appraisal is made under subcondition (8) of statutory condition 4, within fifteen days after the award is rendered by the appraisers» (Insurance Act, statutory condition 6(1)). Plain unqualified days, and word for word the same condition as Nova Scotia’s mandatory condition 6(1) and Newfoundland and Labrador’s equivalent — the Atlantic provinces share the machinery, which is exactly why the amounts and the limitation triggers must each be read from their own Act. The accident-benefit side of a New Brunswick policy sits in the Standard Automobile Policy prescribed by regulation, which was not opened, so no first-party payment clock is published.

Verified as ofSeptember 11, 2026 · Car insurance claims in New Brunswick →

Fault system	At-fault (tort)
Shared-fault rule	Not yet verified NEW MEXICO HAS NO COMPARATIVE-FAULT STATUTE, AND THE FIELD IS «UNCLEAR» FOR A SOURCING REASON RATHER THAN A LEGAL ONE. The rule is judge-made. New Mexico is characterised as a pure comparative-negligence state on the authority of Scott v. Rizzo, 1981-NMSC-021, 96 N.M. 682, 634 P.2d 1234, in which the Supreme Court of New Mexico held that comparative negligence «is adopted in this jurisdiction and replaces the “all-or-nothing” rule of contributory negligence» and that «a pure comparative negligence standard shall supersede prior law in New Mexico, and that a plaintiff suing in negligence shall no longer be totally barred from recovery because of his contributory negligence». That opinion was read in full, with its official citation and panel, at nmonesource.com — the New Mexico Compilation Commission’s platform, the state’s official publisher of the appellate reports — but NOT at a court-operated host, and this dataset only records a judge-made comparative rule as verified when the opinion is read at the court’s own site or at GPO. New Mexico’s courts host was unusable: nmcourts.gov and supremecourt.nmcourts.gov both answer a 302 redirect to 127.0.0.1. So the case is named here as CHARACTERISATION and the enum is left «unclear» rather than asserting a value on a locator the rules of this dataset do not accept. What the Legislature does supply corroborates that no percentage bar exists: it speaks only of «any cause of action to which the doctrine of comparative fault applies» when abolishing joint and several liability, and codifies no threshold (§ 41-3A-1(A)). That abolition matters in its own right — «The liability of any such defendants shall be several», each paying «only for that portion» equal to the ratio of its own fault «to the total fault attributed to all persons, including plaintiffs, defendants and persons not party to the action», so people who are not parties count in the denominator. Four carve-outs restore joint liability, and the fourth is open-ended: intentional injury, vicarious liability, strict product liability, and «situations not covered by any of the foregoing and having a sound basis in public policy» (§ 41-3A-1(C)).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $10,000 ^[1] The compulsory amounts, and the property-damage figure is the lowest in its round: «“Evidence of financial responsibility,” as used in the Mandatory Financial Responsibility Act, means evidence of the ability to respond in damages for liability … in the following amounts: A. twenty-five thousand dollars ($25,000) because of bodily injury to or death of one person in any one accident; B. subject to this limit for one person, fifty thousand dollars ($50,000) because of bodily injury to or death of two or more persons in any one accident; C. ten thousand dollars ($10,000) because of injury to or destruction of property of others in any one accident; and D. if evidence is in the form of a surety bond or a cash deposit, the total amount shall be sixty thousand dollars ($60,000)» (§ 66-5-208). Subsection D’s $60,000 alternative for a bond or a cash deposit is omitted by most descriptions and is recorded here. PUBLISHED UNDATED: the section’s history names no amending act after the 1983 recompilation — «1953 Comp., § 64-5-206, enacted by Laws 1978, ch. 35, § 282; 1978 Comp., § 66-5-206, recompiled as § 66-5-208 by Laws 1983, ch. 318, §§ 7, 9» — and neither act was opened. The section NUMBER changed in 1983, so a citation to «§ 66-5-206» for these amounts is the pre-1983 number rather than an error of substance. The same 25/50/10 is restated at § 66-5-215(A) as the judgment-satisfaction figures, and it is THAT section, not § 66-5-208, by which § 66-5-301 measures the UM/UIM minimum; the two were checked against each other rather than assumed to agree.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Pay	45 days from the claim ^[3] Forty-five days from proof of loss, and this is the ONE hard insurer day count in New Mexico law: an insurer «that fails for a period of forty-five days, after required proof of loss has been furnished, to pay to the person entitled the amount justly due shall be liable for the amount due and unpaid with interest on that amount at the rate of one and one-half times the prime lending rate for New Mexico banks during the period the claim is unpaid. Interest shall accrue, and the interest rate shall be determined, as of the forty-sixth day after the proof of loss was furnished» (§ 59A-16-21(B)). THE RATE IS FLOATING AND NO PERCENTAGE IS PRINTED FOR IT, because the statute prints none. Subsection (C) takes the whole mechanism away once the claim is in arbitration or litigation. NEW MEXICO HAS NO ACKNOWLEDGEMENT OR AFFIRM-OR-DENY DEADLINE, and that is an evidenced finding rather than a gap — see the notes.

Verified as ofSeptember 11, 2026 · Car insurance claims in New Mexico →

Fault system	No-fault
Shared-fault rule	Pure comparative negligence The claimant’s culpable conduct «shall not bar recovery, but the amount of damages otherwise recoverable shall be diminished in the proportion» it bears to the conduct that caused the damages (C.P.L.R. § 1411).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $10,000 ^[3] Bodily injury $25,000 per person / $50,000 per accident, rising to $50,000 / $100,000 where the injury results in death; property damage $10,000 (Veh. & Traf. Law § 311(4)(a), text as captured 2025-09-16).
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	30 days from the claim ^[1] First-party (no-fault) benefits are overdue if not paid within 30 days after the claimant supplies proof of the fact and amount of loss; overdue payments bear 2 % per month plus a reasonable attorney’s fee (Ins. Law § 5106(a)). The Department of Financial Services’ claims regulation (11 NYCRR 216) sets further deadlines that could not be read for this page and are not stated.

Verified as ofSeptember 10, 2026 · Car insurance claims in New York →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Shared fault reduces a Newfoundland and Labrador award and never bars it. «Where by the fault of 2 or more persons damage or loss is caused to 1 or more of them, the liability to make good the damage or loss shall be in proportion to the degree in which each person was at fault», and notwithstanding that, «where, having regard to the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally» and «nothing in this section shall operate so as to make a person liable for damage or loss to which his or her fault has not contributed» (Contributory Negligence Act, R.S.N.L. 1990, c. C-33, s. 2(1)–(2)). No percentage of the claimant’s own fault defeats the claim. Where two or more are found at fault «they shall be jointly and individually liable to the person suffering damage or loss» — the Act’s own older phrase for joint and several liability — contributing between themselves in proportion to fault (s. 3). Fault and its degrees are questions of fact (s. 4), and costs follow the apportionment unless the judge directs otherwise, with an express set-off where one party is owed an excess of damages and the other an excess of costs (s. 8). Note the locator: the apportionment rule is s. 2 here, not s. 1 or s. 3 as in the neighbouring provinces.
Minimum liability coverage	Combined single limit CA$200,000 ^[1] «A contract evidenced by a motor vehicle liability policy insures, in respect of an accident, to the limit of $200,000, exclusive of interest and costs, against liability resulting from bodily injury to or the death of 1 or more persons and loss of or damage to property» (Automobile Insurance Act, R.S.N.L. 1990, c. A-22, s. 21(1)) — the same amount and shape as New Brunswick’s, and two-fifths of Nova Scotia’s CAD 500,000. The Act divides the single limit exactly as New Brunswick does: injury and death claims «have priority to the extent of $180,000» over property claims, and property claims «have priority to the extent of $20,000» over injury and death claims (s. 21(2)). An insurer may instead specify two separate limits of at least CAD 200,000 each (s. 21(3)), and while a named-driver endorsement may raise or lower an excess limit, «no reduction is effective for a limit less than that required» by the statute (s. 21(4)).
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	60 days from the claim ^[1] «The insurer shall pay the insurance money for which it is liable under this contract within 60 days after the proof of loss has been received by it or, where an appraisal is made …» (Automobile Insurance Act, statutory condition on payment of insurance money) — plain unqualified days, and the same figure as Nova Scotia’s mandatory condition 6(1) and New Brunswick’s statutory condition 6(1). One further clock favours the claimant: where the insurer has a person medically examined and receives a report, it must ensure the person receives a copy within sixty days of the insurer receiving it. The province’s compulsory accident benefits are set by regulation and were not reached, so no first-party payment clock is published.

Verified as ofSeptember 11, 2026 · Car insurance claims in Newfoundland and Labrador →

Fault system	No-fault
Shared-fault rule	Modified comparative (50% bar) North Dakota’s bar bites at equality, and the section is titled for what it does: «32-03.2-02. Modified comparative fault. CONTRIBUTORY FAULT DOES NOT BAR RECOVERY in an action by any person to recover damages for death or injury to person or property UNLESS THE FAULT WAS AS GREAT AS THE COMBINED FAULT OF ALL OTHER PERSONS WHO CONTRIBUTE TO THE INJURY, but any damages allowed MUST BE DIMINISHED IN PROPORTION TO THE AMOUNT OF CONTRIBUTING FAULT ATTRIBUTABLE TO THE PERSON RECOVERING. The court may, and WHEN REQUESTED BY ANY PARTY, SHALL direct the jury to find separate special verdicts determining the amount of damages and the percentage of fault attributable to EACH PERSON, WHETHER OR NOT A PARTY, who contributed to the injury. … When two or more parties are found to have contributed to the injury, THE LIABILITY OF EACH PARTY IS SEVERAL ONLY, AND IS NOT JOINT, and each party is liable only for the amount of damages attributable to the percentage of fault of that party, EXCEPT THAT ANY PERSONS WHO ACT IN CONCERT … ARE JOINTLY LIABLE … Under this section, FAULT INCLUDES NEGLIGENCE, MALPRACTICE, ABSOLUTE LIABILITY, DRAM SHOP LIABILITY, FAILURE TO WARN, RECKLESS OR WILLFUL CONDUCT, ASSUMPTION OF RISK, MISUSE OF PRODUCT, FAILURE TO AVOID INJURY, and product liability.» «As great as» is the 50 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN NORTH DAKOTA RECOVERS NOTHING — the same camp as Idaho, Kansas, Nebraska and Maine, and the opposite of Montana, Vermont, Iowa, West Virginia and Hawaii. THREE QUALIFIERS PULL IN DIFFERENT DIRECTIONS AND ALL THREE BELONG ON THE ROW. The comparison is against the COMBINED fault of all contributors, which HELPS a claimant facing several defendants — unlike Idaho’s § 6-803(3), where each defendant’s fault is compared individually and a claimant can lose against two defendants who together outweigh them. But the jury apportions fault to every person who contributed «WHETHER OR NOT A PARTY», so an absent, unidentified or immune driver’s share enters the denominator; liability between defendants is SEVERAL ONLY outside concerted action, so the claimant carries an insolvent co-defendant’s share; and «fault» is defined expansively enough to reach ASSUMPTION OF RISK and FAILURE TO AVOID INJURY, not negligence alone. AND THERE IS A CARVE-OUT THAT FITS THE ORDINARY FENDER-BENDER EXACTLY AND APPEARS IN NO OTHER JURISDICTION IN THIS DATASET: «32-03.2-02.1. Automobile accident damage liability. NOTWITHSTANDING SECTION 32-03.2-02, in an action by any person to recover direct and indirect damages for injury to property, THE DAMAGES MAY NOT BE DIMINISHED IN PROPORTION TO THE AMOUNT OF CONTRIBUTING FAULT ATTRIBUTABLE TO THE PERSON RECOVERING, OR OTHERWISE, IF: 1. The person seeking damages is seeking property damages resulting from A MOTOR VEHICLE ACCIDENT IN WHICH TWO PERSONS ARE AT FAULT; 2. The person seeking damages is seeking to recover DIRECT PHYSICAL PROPERTY DAMAGES OF NOT MORE THAN FIVE THOUSAND DOLLARS AND INDIRECT PHYSICAL PROPERTY DAMAGES NOT TO EXCEED ONE THOUSAND DOLLARS; and 3. THE PERCENTAGE OF FAULT OF THE PERSON AGAINST WHOM RECOVERY IS SOUGHT IS OVER FIFTY PERCENT. This section applies regardless as to whether the person seeking … also seeks damages for personal injury, HOWEVER, DAMAGES FOR PERSONAL INJURY ARE NOT AVAILABLE UNDER THIS SECTION.» The three conditions are conjunctive and must be stated together; within them a small property claim is paid in full with no reduction for the claimant’s own share.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] «39-16.1-11. Motor vehicle liability policy. … 2. Such owner’s policy of liability insurance: … b. Must insure the person named therein AND ANY OTHER PERSON, AS INSURED, USING SUCH MOTOR VEHICLE … WITH THE EXPRESS OR IMPLIED PERMISSION OF SUCH NAMED INSURED, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of such motor vehicles WITHIN THE UNITED STATES OF AMERICA OR THE DOMINION OF CANADA, subject to limits EXCLUSIVE OF INTEREST AND COSTS, with respect to each such motor vehicle, as follows: TWENTY-FIVE THOUSAND DOLLARS because of bodily injury to or death of one person in any one accident and subject to said limit for one person, FIFTY THOUSAND DOLLARS because of bodily injury to or death of two or more persons in any one accident, and TWENTY-FIVE THOUSAND DOLLARS because of injury to or destruction of property of others in any one accident.» As in Montana and Wyoming the cover must reach any PERMISSIVE USER, runs in the United States and Canada, and the limits are exclusive of interest and costs. NOTE THAT THE PROPERTY LIMB EQUALS THE PER-PERSON INJURY LIMB AT $25,000, which is unusual — Montana and Wyoming both drop to $20,000 and Idaho to $15,000 — so the familiar habit of assuming the third figure is the smallest is wrong here. PUBLISHED UNDATED, AND THE CAUSE IS DISTINCT FROM EVERY OTHER UNDATED MINIMUM IN THIS DATASET: not a blocked session-law host as in Maine and Montana, and not a sixteen-candidate history line as in Idaho, but A PUBLISHING CONVENTION. § 39-16.1-11 was read in full and CARRIES NO SOURCE, HISTORY OR AMENDMENT NOTE OF ANY KIND; the only amendment apparatus anywhere in the chapter is the repeal-stub form — «Repealed by S.L. 2013, ch. 291, § 62», «Repealed by S.L. 2007, ch. 325, § 7», «Repealed by S.L. 2005, ch. 330, § 8» — which names an act only for a section that is GONE, never for one still in force. So no candidate act can be named from the face of the Code at all, and unlike Maine and Montana this row cannot even say which act to look up: the lookup has to start from the Legislative Council’s amendment and derivation tables rather than from the section. The commencement of the 25/50/25 limits has not yet been verified against a primary text and is not stated here.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	30 days from the claim ^[4] THIRTY DAYS FROM REASONABLE PROOF — BUT THE ACCUMULATION RULE MUST TRAVEL WITH IT OR THE DEADLINE IS OVERSTATED. «1. BASIC AND OPTIONAL EXCESS NO-FAULT BENEFITS ARE PAYABLE MONTHLY for economic loss … 2. Basic and optional excess no-fault benefits ARE OVERDUE IF NOT PAID WITHIN THIRTY DAYS AFTER THE BASIC NO-FAULT INSURER RECEIVES REASONABLE PROOF OF THE FACT AND THE AMOUNT OF LOSS SUSTAINED, EXCEPT THAT THE BASIC NO-FAULT INSURER MAY ACCUMULATE CLAIMS FOR PERIODS NOT EXCEEDING ONE MONTH, AND THE BENEFITS ARE NOT OVERDUE IF PAID WITHIN TWENTY DAYS AFTER THE PERIOD OF ACCUMULATION. If reasonable proof is not supplied as to the entire claim, THE AMOUNT SUPPORTED BY REASONABLE PROOF IS OVERDUE IF NOT PAID WITHIN THIRTY DAYS after the proof is received … PAYMENT IS DEEMED MADE ON THE DATE OF MAILING. All overdue payments must bear interest at the judgment rate allowed in section 28-20-34» (§ 26.1-41-09(1)–(2)). So the insurer may batch claims for up to a month and then has a FURTHER TWENTY DAYS, and the real outside limit on a batched claim is longer than thirty days; partial proof triggers partial payment on its own thirty-day clock; and payment counts as made ON MAILING rather than on receipt. THE DAYS ARE PLAIN AND UNQUALIFIED, so calendar days on the face of it. NO PERCENTAGE IS PRINTED FOR THE OVERDUE INTEREST, AND THE OMISSION IS DELIBERATE: the rate is the judgment rate incorporated from § 28-20-34, which was not opened, so the rate has not yet been verified against a primary text and is not stated here — the same discipline New Mexico’s floating prime-rate row required. THIS FIELD IS A FIRST-PARTY DUTY ONLY and must not be read as a payment clock on a liability claim against the other driver’s insurer. One neighbouring rule in the same section is worth knowing and has no analogue on any other row in this dataset: «3. NEITHER THE INJURED PERSON NOR A BASIC NO-FAULT INSURER IS REQUIRED TO PAY FOR SERVICES BILLED MORE THAN ONE HUNDRED EIGHTY DAYS AFTER THE DATE OF TREATMENT», so a provider who bills late can be paid by nobody — not the insurer and not the patient.

Verified as ofSeptember 11, 2026 · Car insurance claims in North Dakota →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Contributory negligence: the claim «shall not be defeated by reason of the fault of the person suffering the damage», but damages are reduced «to such extent as the court thinks just and equitable» (Law Reform (Miscellaneous Provisions) Act (Northern Ireland) 1948, s. 2(1)).
Minimum liability coverage	Property damage £1,200,000 ^[3] Death or bodily injury: unlimited. Property damage: £1,200,000 per accident (Road Traffic (Northern Ireland) Order 1981, art. 92, amount set by the Motor Vehicles (Compulsory Insurance) Regulations (Northern Ireland) 2017).
Uninsured / underinsured motorist cover	Not yet verified

Verified as ofSeptember 10, 2026 · Car insurance claims in Northern Ireland →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Shared fault reduces a Nova Scotia award and never defeats it. «Where by the fault of two or more persons damage or loss is caused to one or more of them, the liability to make good the damage or loss is in proportion to the degree in which each person was at fault but if, having regard to all the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally», and nothing in that section renders anyone liable for damage to which their fault has not contributed (Contributory Negligence Act, R.S.N.S. 1989, c. 95, s. 3(1)–(2)). There is no percentage at which the claim is barred. The court determines each person’s degree of fault (s. 4), and the amount of the loss, the fault and the degrees of fault are questions of fact (s. 5). One Nova Scotia sting is in the costs: where damages are occasioned by the fault of more than one party the court «has power to direct that the plaintiff shall bear some portion of the costs if the circumstances render this just» (s. 6) — a discretion, not the automatic proportionality New Brunswick applies next door. Apportion under c. 95 first, then apply the minor-injury cap to the non-pecuniary component.
Minimum liability coverage	Combined single limit CA$500,000 ^[1] A single combined limit, not a split triple: «every contract evidenced by a motor vehicle liability policy insures, in respect of any one accident, to the limit of at least five hundred thousand dollars, exclusive of interest and costs, against liability resulting from bodily injury to or the death of one or more persons and loss of or damage to property» (Insurance Act, R.S.N.S. 1989, c. 231, s. 125(1)). It is the largest compulsory floor in Atlantic Canada — two and a half times New Brunswick’s and Newfoundland and Labrador’s CAD 200,000 — and the same figure caps the compulsory uninsured and unidentified motorist coverage, which may «in any event» not exceed «the minimum limit for a contract evidenced by a motor vehicle liability policy established under subsection 125(1) of the Act» per accident, reduced to the lesser limit where the crash happens outside the province (N.S. Reg. 94/96, s. 4(1)(a)–(b)).
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Pay	60 days from the claim ^[4] Nova Scotia runs two payment clocks and publishing only one misstates the province. The sixty days here is the property and indemnity clock: the insurer «shall pay the insurance money for which it is liable under this contract within sixty days after the proof of loss has been received by it or, where an appraisal is made …, within fifteen days after the award is rendered by the appraisers» (mandatory condition 6(1)). On the first-party Section B side the clock is half as long: «all amounts payable under this section, other than benefits under Part II of subsection 2, shall be paid by the Insurer within 30 days after it has received proof of claim», and recurring income benefits are then payable «within each 30-day period while the Insurer remains liable» on proof of continuing disability (Section B, subsection (7)(a)).

Verified as ofSeptember 11, 2026 · Car insurance claims in Nova Scotia →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) The label is the closest the dataset has, but the statute fixes no percentage and the rule must be read in its own comparative terms: contributory negligence «shall not bar a recovery, unless any negligence of the person so injured, damaged or killed, is of greater degree than any negligence of the person, firm or corporation causing such damage, or unless … is of greater degree than the combined negligence of any persons, firms or corporations causing such damage» (23 O.S. § 13). Equal fault is not barred. In the multi-defendant case the comparison is against the defendants’ COMBINED negligence, so a claimant at 40 % against two defendants at 30 % each is not barred even though they are the single most negligent party. Below the bar, recovery «shall be diminished in proportion» (§ 14), and shared fault is a jury question «in all cases whatsoever» (§ 12).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] For «vehicle liability policies issued or renewed on or after April 1, 2005»: not less than $25,000 because of bodily injury to or death of one person in any one accident, $50,000 subject to that limit for two or more persons, and $25,000 because of injury to or destruction of property of others in any one accident (47 O.S. § 7-103(2)(b)). The locator matters and is a correction this page carries: the figures are fixed in the DEFINITION of «minimum liability insurance limits», which the Compulsory Insurance Law and § 7-204 both use rather than restating, and citing § 7-324(b)(2) instead — where the same amounts appear — would attach them to the certified proof-of-financial-responsibility regime and lose the 1 April 2005 date entirely. The older 10/20/10 tier survives in the same definition for policies issued or renewed before that date.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	30 days from the claim ^[4] Plain days, and the unqualified form is deliberate: the same Act writes «twenty (20) calendar days» at 36 O.S. § 1250.4(B) where it means calendar days, so a bare «days» is the legislature’s own unqualified form and is reproduced rather than resolved. «Every property and casualty insurer, within thirty (30) days after receiving notification of a claim, shall acknowledge the receipt of such notification unless payment is made within such period of time», and notification given to an agent is notification to the insurer (§ 1250.6(A)). Supplying claim forms, instructions and reasonable assistance inside the same thirty days is compliance (§ 1250.6(B)). Every later pertinent communication from the claimant that reasonably suggests a response is expected — e-mail and a documented verbal communication included — carries its own thirty days (§ 1250.4(C)).
Insurer response deadlines — Accept or deny	60 days from the claim ^[4] Plain days again, and the duty is softer than a hard affirm-or-deny: «Within sixty (60) days after receipt by a property and casualty insurer of properly executed proofs of loss, the first party claimant shall be advised of the acceptance or denial of the claim by the insurer, or if further investigation is necessary» — so the insurer discharges it by saying it needs to keep investigating. A denial must be written and may not rest on a policy provision, condition or exclusion unless the denial refers to it (36 O.S. § 1250.7(A)). Investigation must be completed within sixty days of notification of proof of loss, with a reasons letter at sixty days and, unusually among the states in this dataset, a hard outer cap: «the time for investigation shall not exceed one hundred twenty (120) days after receipt of proof of loss», defeasible only for evidenced fraud or arson (§ 1250.7(C)). The Commissioner may add twenty days after a Governor-declared catastrophe, and every clock in the section switches off once suit is filed (§ 1250.7(G)).

Verified as ofSeptember 11, 2026 · Car insurance claims in Oklahoma →

Fault system	Hybrid
Shared-fault rule	Pure comparative negligence Where the plaintiff’s own fault contributed, «the court shall apportion the damages in proportion to the degree of fault or negligence found against the parties respectively» (Negligence Act, s. 3). Vehicle-damage recovery from your own insurer is likewise «based on the degree of fault» under the Fault Determination Rules (Insurance Act, s. 263(3)).
Minimum liability coverage	Combined single limit CA$200,000 ^[2] Every motor vehicle liability policy insures, per accident, to at least $200,000 against liability for bodily injury or death and property damage combined (Insurance Act, s. 251(1)).
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Accept or deny	10 days from the claim ^[4] Business days: for the statutory accident benefits your own insurer pays, it must pay or give written notice of refusal within 10 business days of receiving the application and disability certificate (O. Reg. 34/10, s. 36(4)). You must notify the insurer of your intention to claim within seven days of the accident (s. 32(1)).

Verified as ofSeptember 10, 2026 · Car insurance claims in Ontario →

Fault system	Add-on no-fault
Shared-fault rule	Modified comparative (51% bar) Contributory negligence does not bar recovery «if the fault attributable to the claimant was not greater than the combined fault of all persons specified in subsection (2)», and otherwise damages fall in proportion to the claimant’s own share (ORS 31.600(1)). The comparison is against the combined fault of everyone on the list, not against any single defendant.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $20,000 ^[4] The schedule of payments in ORS 806.070(2): $25,000 because of bodily injury to or death of one person, $50,000 subject to that limit for two or more persons, $20,000 because of injury to or destruction of the property of others in any one accident. No effective date is stated here — the section’s history line names 2009 c.66 as its last substantive amendment, but that act was not opened, so when the current figures began is not established. A separate tier applies to a driver convicted of driving under the influence: 50/100 for injury but only $10,000 for property damage (ORS 806.075(1)).
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Accept or deny	60 days from the claim ^[1] Calendar days, and this is a personal-injury-protection denial deadline rather than a general affirm-or-deny duty: an insurer denying PIP benefits must give written notice within 60 calendar days of receiving the provider’s claim, stating the reason and the method of contesting the denial (ORS 742.528). The same 60 calendar days make a provider’s charges presumed reasonable and necessary if they are not denied (ORS 742.524(1)(a)). PIP benefits themselves must be paid «promptly after proof of loss», with no day count (ORS 742.520(4)).

Verified as ofSeptember 11, 2026 · Car insurance claims in Oregon →

Fault system	Choice no-fault
Shared-fault rule	Modified comparative (51% bar) Contributory negligence does not bar recovery «where such negligence was not greater than the causal negligence of the defendant»; damages are diminished in proportion (42 Pa.C.S. § 7102(a)).
Minimum liability coverage	Bodily injury, per person $15,000 · Bodily injury, per accident $30,000 · Property damage $5,000 ^[1] Definition of financial responsibility, 75 Pa.C.S. § 1702; every policy also carries a $5,000 first-party medical benefit (§ 1711(a)).
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	10 days from the claim ^[3] Working days: acknowledge the notice of claim and provide claim forms and instructions within 10 working days (31 Pa. Code § 146.5(a), (d)).
Insurer response deadlines — Accept or deny	15 days from the claim ^[3] Working days after receipt of properly executed proofs of loss; a denial must cite the policy provision relied on; extensions require written reasons, then letters every 45 days (§ 146.7(a)(1), (c)(1)). Investigation is to be completed within 30 days of notice (§ 146.6).
Insurer response deadlines — Pay	30 days from the claim ^[1] First-party benefits are overdue if not paid within 30 days after the insurer receives reasonable proof of the amount; overdue benefits bear 12 % a year and, where the refusal was unreasonable, an attorney fee (75 Pa.C.S. § 1716).

Verified as ofSeptember 10, 2026 · Car insurance claims in Pennsylvania →

Fault system	Hybrid
Shared-fault rule	Pure comparative negligence «Si la imprudencia sólo hubiere concurrido en la producción del daño, la indemnización será reducida por el juez, según las circunstancias» — where the victim’s imprudence merely contributed, the judge reduces the award according to the circumstances (Código Civil art. 1973); no threshold bars recovery and the code fixes no percentage. Where that imprudence was the determining cause of the harm under the objective head of art. 1970, there is no duty to repair at all (art. 1972).
Minimum liability coverage	Compulsory scheme: SOAT — Seguro Obligatorio de Accidentes de Tránsito (Ley 27181 art. 30; TUO del Reglamento, D.S. 024-2002-MTC, art. 29) ^[3] A compulsory personal-accident scheme, not a liability limit. The minimum heads are per person, occupant or non-occupant of an insured vehicle: four UIT for death, up to four UIT for permanent disability, up to one UIT for temporary incapacity, up to five UIT for medical expenses and up to one UIT for funeral expenses (TUO art. 29, as amended in 2005). Temporary incapacity is paid per day at a thirtieth of the Remuneración Mínima Vital up to that ceiling. The death and permanent-disability heads are not cumulative (art. 30), so four plus four UIT is not a combined maximum. For 2026 the Unidad Impositiva Tributaria is S/ 5,500 (D.S. 301-2025-EF, El Peruano, 17 December 2025), stated here as its own dated fact rather than multiplied out. Nothing in the compulsory scheme pays for a damaged vehicle.
Uninsured / underinsured motorist cover	Not yet verified
Insurer response deadlines — Accept or deny	30 days from the claim ^[5] Insurance-contract claims, not SOAT claims, and the mechanism matters: where there is objectively no adjustment agreement, the loss «se entenderá como consentido … cuando la aseguradora no se haya pronunciado sobre el monto reclamado en un plazo que no exceda de los treinta (30) días contados desde la fecha de haberse completado toda la documentación exigida en la póliza» — thirty days of silence after complete documentation deems the loss consented. Payment is then due within a further thirty days of that consent, with default interest at one and a half times the average active lending rate (Ley 29946 art. 74).
Insurer response deadlines — Pay	10 days from the claim ^[3] SOAT indemnities are paid «dentro del plazo máximo de diez (10) días siguientes a la presentación de los antecedentes» the regulation lists — the traffic-accident record form and, as the case requires, the death certificate, medical certificate or invoices (TUO art. 33). The clock is document-triggered, not accident-triggered.

Verified as ofSeptember 10, 2026 · Car insurance claims in Peru →

Fault system	No-fault
Shared-fault rule	Pure comparative negligence Sharing is by the gravity of each party’s fault, not by a percentage of causation: «where an injury has been caused by several persons, liability is shared between them in proportion to the seriousness of the fault of each. The victim is included in the apportionment when the injury is partly the effect of his own fault» (Civil Code of Québec, art. 1478). There is no bar at any percentage, and the rule reaches property damage, because the bodily-injury action is abolished.
Minimum liability coverage	Property damage CA$50,000 ^[2] The compulsory policy covers property damage only, and the two articles must be read together: the owner of an automobile driven in Quebec must hold a liability insurance contract guaranteeing compensation for the property damage caused by that automobile (art. 84), and «the minimum compulsory amount of liability insurance is $50,000» (art. 87). There is no compulsory bodily-injury limit, because injury compensation is the SAAQ’s and not an insurer’s.
Uninsured / underinsured motorist cover	Not applicable
Insurer response deadlines — Pay	60 days from the claim ^[3] A Civil Code duty, not a regulator’s service standard: the insurer «is bound to pay the indemnity within 60 days after receiving the notice of loss or, if the insurer requested them, the relevant information and vouchers» (art. 2473), and the insured must declare a loss to the insurer as soon as they become aware of it (art. 2470).

Verified as ofSeptember 10, 2026 · Car insurance claims in Quebec →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence THERE IS NO BAR AT ANY PERCENTAGE IN RHODE ISLAND. «§ 9-20-4. Comparative negligence. In all actions hereafter brought for personal injuries, or where personal injuries have resulted in death, OR FOR INJURY TO PROPERTY, the fact that the person injured, or the owner of the property or person having control over the property, MAY NOT HAVE BEEN IN THE EXERCISE OF DUE CARE OR THE FACT THAT THE DANGER OR DEFECT WAS OPEN AND OBVIOUS SHALL NOT BAR A RECOVERY, BUT DAMAGES SHALL BE DIMINISHED BY THE FINDER OF FACT IN PROPORTION TO THE AMOUNT OF NEGLIGENCE ATTRIBUTABLE TO THE PERSON INJURED.» The section states only that contributory fault «shall not bar a recovery» and that damages are diminished proportionately, WITH NO THRESHOLD ANYWHERE IN IT — so A RHODE ISLAND CLAIMANT NINETY PER CENT AT FAULT STILL RECOVERS TEN PER CENT. That puts Rhode Island with New Mexico and against every other state promoted in the same round: Idaho, Maine and North Dakota bar at equality, Montana and Vermont above fifty per cent. Note that the section covers INJURY TO PROPERTY expressly as well as personal injury and death, so the same rule governs the claim for the car. AND NOTE WHAT THE 2019 AMENDMENTS ADDED, because it is recent, statutory and easy to miss: the words «or the fact that the danger or defect was open and obvious shall not bar a recovery» — ABOLISHING THE OPEN-AND-OBVIOUS DEFENCE AS A BAR. The history line is «P.L. 1971, ch. 206, § 1; P.L. 1972, ch. 18, § 1; P.L. 2019, ch. 185, § 1; P.L. 2019, ch. 256, § 1», and the pairing of two identical 2019 chapters is the Rhode Island drafting habit — every substantive change read for this row arrives as a pair of companion chapters, so cite both or neither.
Minimum liability coverage	Combined single limit $75,000 · Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] THE SECTION UNIVERSALLY CITED FOR RHODE ISLAND’S MINIMUM LIMITS, § 31-31-7, WAS REPEALED ON 14 JULY 2021 AND MUST NOT BE CITED FOR ANYTHING. Its page carries no text beyond its own heading and history: «§ 31-31-7. [Repealed.] History of Section. P.L. 1993, ch. 4, § 2; repealed by P.L. 2021, ch. 398, § 1, EFFECTIVE JULY 14, 2021; repealed by P.L. 2021, ch. 399, § 1, EFFECTIVE JULY 14, 2021», and the chapter’s own index of sections shows the scale of it — §§ 31-31-4, 31-31-5, 31-31-6, 31-31-7, 31-31-8 and onward to 31-31-21 all read «[Repealed.]», the whole «Security Following Accident» machinery, leaving four sections of the chapter standing. Anything resting on § 31-31-7 today is describing a provision that does not exist. THE OPERATIVE MINIMUM IS IN THE MOTOR VEHICLE REPARATIONS ACT’S DEFINITION OF AN OWNER’S POLICY, AND IT OFFERS BOTH STRUCTURES IN THE SAME SENTENCE — the only US jurisdiction in this dataset that does. «Every owner’s policy of liability insurance shall provide insurance subject to the regulation against loss from the liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to, or death of, any person and injury to, or destruction of, property arising out of the ownership, maintenance, use, or operation of a specific motor vehicle … WITHIN THE STATE OF RHODE ISLAND OR ELSEWHERE IN THE UNITED STATES, IN NORTH AMERICA, OR THE DOMINION OF CANADA, subject to a limit, EXCLUSIVE OF INTEREST AND COSTS, with respect to each motor vehicle of TWENTY-FIVE THOUSAND DOLLARS ($25,000) because of bodily injury to, or death of, one person in any one accident; and subject to the limit for one person, to a limit of FIFTY THOUSAND DOLLARS ($50,000), because of bodily injury to, or death of, two (2) or more persons in any one accident; and a limit of TWENTY-FIVE THOUSAND DOLLARS ($25,000) because of injury to, or destruction of, property of others in any one accident; OR SEVENTY-FIVE THOUSAND DOLLARS ($75,000) COMBINED, SINGLE LIMIT» (§ 31-47-2(13)(i)(A)). The row publishes `structure` = «split» with the $75,000 combined single limit recorded in the `csl` field beside it, because the statute offers them as alternatives rather than as a hierarchy. Note the territorial scope is Rhode Island, the United States, NORTH AMERICA and Canada, which is wider than any other row’s. ONE LIMIT ON THE COMPLETENESS OF THIS DESCRIPTION IS DISCLOSED: the same paragraph also delegates the DETAILED minimum provisions to «a regulation that shall be promulgated by the commissioner», and that regulation was not opened — the Rhode Island Code of Regulations (230-RICR) was not opened at all — so the STATUTE’S OWN NUMBERS stand and what is unread is the regulation’s detail around them. PUBLISHED UNDATED. § 31-47-2’s history line was read in full — «P.L. 1991, ch. 167, § 1; P.L. 2000, ch. 109, § 46; P.L. 2008, ch. 98, § 29; P.L. 2008, ch. 145, § 29; P.L. 2014, ch. 29, § 3; P.L. 2014, ch. 36, § 3; P.L. 2014, ch. 44, § 1; P.L. 2014, ch. 51, § 1» — and the four 2014 chapters are the most recent amendments and the likeliest source of the present figures, but none was opened and the line does not say which changed the amounts. The commencement of the 25/50/25 limits has not yet been verified against a primary text and is not stated here.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Accept or deny	30 days from the claim ^[4] THIRTY DAYS TO RESPOND TO A CLAIM, EXTENDABLE ONLY BY THE INSURED’S AGREEMENT: «(16) FAILING TO RESPOND TO A CLAIM WITHIN THIRTY (30) DAYS, UNLESS THE INSURED SHALL AGREE TO A LONGER PERIOD» (§ 27-9.1-4(a)(16)). RHODE ISLAND HAS THE MOST NUMERICALLY SPECIFIC CLAIM-HANDLING TIMETABLE IN THIS DATASET AND IT MIXES BOTH UNITS INSIDE ONE SECTION, WHICH IS EXACTLY WHY EACH UNIT IS QUOTED RATHER THAN PARAPHRASED. Beside the thirty days: «(13) failing to provide forms necessary to present claims WITHIN TEN (10) CALENDAR DAYS of a request with reasonable explanations regarding their use»; and on the vehicle itself, «(26) failure to perform an initial appraisal WITHIN THREE (3) BUSINESS DAYS after a request is received from an auto body repair shop», provided the damaged vehicle is on the shop’s premises when the request is made, «and failure to perform a supplemental appraisal inspection of a vehicle WITHIN FOUR (4) BUSINESS DAYS after a request is received from an auto body repair shop. IF THE INSURER’S APPRAISER FAILS TO INSPECT THE DAMAGED MOTOR VEHICLE WITHIN THE ALLOTTED NUMBER OF BUSINESS DAYS … THE INSURER SHALL FORFEIT ITS RIGHT TO INSPECT THE DAMAGED VEHICLE PRIOR TO REPAIRS, AND NEGOTIATIONS SHALL BE LIMITED TO LABOR AND THE PRICE OF PARTS and shall not, unless objective evidence to the contrary is provided by the insurer, INVOLVE DISPUTES AS TO THE EXISTENCE OF DAMAGE OR THE CHOSEN MANNER OF REPAIR.» That forfeiture is self-executing and is the most useful consequence attached to any missed deadline in this dataset. One further practice is worth knowing in itself: «(15) MISLEADING A CLAIMANT AS TO THE APPLICABLE STATUTE OF LIMITATIONS.» A LIMIT ON ALL OF IT IS PUBLISHED ON THE FACE OF THIS ROW RATHER THAN LEFT OUT, BECAUSE IT IS A REAL GATE AND NOT A QUIBBLE: the section’s opening words make each listed act an unfair claims practice only «IF COMMITTED IN VIOLATION OF § 27-9.1-3», and § 27-9.1-3 WAS NOT READ. So these figures are published as the statute’s own prohibitions, whose trigger has not yet been verified against a primary text, and not as free-standing deadlines a claimant can enforce without more.

Verified as ofSeptember 11, 2026 · Car insurance claims in Rhode Island →

Fault system	Choice no-fault
Shared-fault rule	Pure comparative negligence In property-damage actions and in a claim brought in the elected tort stream, «the liability to make good the damage or loss is in proportion to the degree in which each person was at fault, but if, having regard to all the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally», and nothing renders a person liable for loss to which their fault has not contributed (Contributory Negligence Act, s. 2).
Minimum liability coverage	Combined single limit CA$200,000 ^[1] The Act states the limit as a formula rather than a round number, and the net-of-s.-51.1 qualifier is part of the rule: the insurer’s liability for loss or damage arising out of an accident «is the positive amount L, if any, calculated in accordance with the following formula: L = $200,000 – N where N is the amount the insurer is obligated to pay pursuant to section 51.1» (Automobile Accident Insurance Act, s. 42(2)). It is the same whether there is one claim or many, and whether the loss is injury, property damage or both (s. 42(3)). The sections answering uninsured and unidentified motorists are capped at the same «total amount of $200,000, exclusive of costs», with property claims taking priority to the extent of $10,000 (s. 59(2), (2.1)).
Uninsured / underinsured motorist cover	Not yet verified

Verified as ofSeptember 10, 2026 · Car insurance claims in Saskatchewan →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence The Law Reform (Contributory Negligence) Act 1945 applies in Scotland (s. 5): damages are reduced «to such extent as the court thinks just and equitable» having regard to the pursuer’s share of responsibility.
Minimum liability coverage	Property damage £1,200,000 ^[3] Death or bodily injury: unlimited. Property damage: £1,200,000 per accident (Road Traffic Act 1988, s. 145, which applies throughout Great Britain).
Uninsured / underinsured motorist cover	Not yet verified

Verified as ofSeptember 10, 2026 · Car insurance claims in Scotland →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) The bar is judge-made, not statutory: «For all causes of action arising on or after July 1, 1991, a plaintiff in a negligence action may recover damages if his or her negligence is not greater than that of the defendant. The amount of the plaintiff’s recovery shall be reduced in proportion to the amount of his or her negligence» (Nelson v. Concrete Supply Co., 303 S.C. 243, 245, 399 S.E.2d 783, 784 (1991), quoted with its page by the Court of Appeals). «Not greater than» is the 51 % form: a driver exactly half to blame recovers half, and one fifty-one percent to blame recovers nothing. Apportionment is a question of fact for the jury where conflicting inferences may be drawn. Do not read S.C. Code § 15-38-15 as the source of the bar — it governs joint and several liability among defendants, and its own subsection (C)(2) sends the plaintiff’s share back to «applicable rules concerning comparative negligence».
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] An automobile insurance policy «may not be issued or delivered» in South Carolina unless it insures against loss from the liability imposed by law, subject to limits of twenty-five thousand dollars because of bodily injury to one person, fifty thousand because of bodily injury to two or more persons, and twenty-five thousand because of injury to or destruction of property of others in any one accident (§ 38-77-140(A)(1)–(3)). Effective date from the section’s own HISTORY block: 2006 Act No. 395, section 3.A, «eff June 14, 2006 affecting policies issued or renewed on or after January 1, 2007» — and the policy, not the accident, is the unit the statute measures. NO 2025 OR 2026 INCREASE: the section still prints a single undated tier, its HISTORY block ends at the 2006 act, and a full-text search of chapter 38-77 for «2026» and «2025 Act» returns no match anywhere in the chapter, against a Code current through the 2025 Session. The mandate itself lives in Title 56 and points here: §§ 56-10-10 and 56-10-20.
Uninsured / underinsured motorist cover	Mandatory

Verified as ofSeptember 11, 2026 · Car insurance claims in South Carolina →

Fault system	At-fault (tort)
Shared-fault rule	Not yet verified SOUTH DAKOTA’S SHARED-FAULT RULE HAS NO PERCENTAGE IN IT AT ALL, AND THE FIELD IS «UNCLEAR» BECAUSE NONE OF THIS DATASET’S ENUMERATED VALUES DESCRIBES IT — not because the statute is unread. It is quoted here verbatim so a reader can see for themselves: «In all actions brought to recover damages for injuries to a person or to that person’s property caused by the negligence of another, the fact that the plaintiff may have been guilty of contributory negligence does not bar a recovery when the contributory negligence of the plaintiff was slight in comparison with the negligence of the defendant, but in such case, the damages shall be reduced in proportion to the amount of plaintiff’s contributory negligence. Notwithstanding Woods vs. City of Crooks, 559 N.W.2d 558 (SD 1997), the determination of whether the contributory negligence of the plaintiff was slight in comparison with the negligence of the defendant shall be made without disclosing any determination of percentage of plaintiff’s fault by special interrogatory» (§ 20-9-2, history «SL 1941, ch 160; SDC Supp 1960, § 47.0304-1; SL 1964, ch 149; SL 1998, ch 125, § 1»). WHY NOT ONE OF THE OTHER VALUES: it is not «pure-comparative», because recovery survives only where the claimant’s negligence was SLIGHT; it is not «contributory», because slight negligence does not bar and the damages do reduce proportionally; and it is neither «modified-50» nor «modified-51», because the statute fixes no figure to compare against. Assigning it to a camp by analogy would be an import, so the enum is left «unclear» and the statute speaks for itself — the same discipline this dataset applies to New Mexico, where the reason is a locator rule rather than a mapping one. THE 1998 SECOND SENTENCE MATTERS IN PRACTICE: because the comparison must be made WITHOUT a special interrogatory disclosing the plaintiff’s percentage, the question a South Dakota jury answers is qualitative and is never published as a number — so any percentage you meet attached to this state has come from somewhere else. Read it beside § 58-33-67(6), which makes it an unfair practice for an insurer to fail «to make a good faith assignment of the degree of contributory negligence in ascertaining the issue of liability».
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] PUBLISHED UNDATED, AND THE STATUTE’S OWN DATE MUST NOT BE REPURPOSED AS THE EFFECTIVE DATE. The amounts are stated in WORDS rather than figures: an owner’s policy «shall insure the person named therein … subject to limits exclusive of interests and costs, with respect to each insured vehicle, as follows: twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and twenty-five thousand dollars because of injury to or destruction of property of others in any one accident» (§ 32-35-70). The section’s history line names FOUR amending acts — «SL 1985, ch 266, § 3; SL 1989, ch 279, § 1; SL 1992, ch 232; SL 1992, ch 233, § 1» — and says nowhere which act set which figure; no session law was opened, so the commencement of the present amounts has not yet been verified against a primary text and is not stated here. THE SECTION’S OWN SENTENCE «Policies issued after January 1, 1987, and owners who have purchased such policies are in compliance with this chapter» IS A COMPLIANCE RULE, NOT THE DATE THE AMOUNTS TOOK EFFECT, and is deliberately not published as one. Two further features belong with the figures: the statute allows a written NO-OPERATION CERTIFICATION — «the policy may exclude liability coverage if the policyholder certifies in writing that the vehicle will not be operated during the policy period» — and § 32-35-113 offers three alternatives to a policy, a bond, a certificate of self-insurance, or «a certificate of deposit of money or securities … but in the amount of fifty thousand dollars», which is a distinct alternative and must NOT be presented as a liability minimum.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Acknowledge the claim	30 days from the claim ^[3] THIRTY DAYS, AND IN SOUTH DAKOTA THE CLOCK IS STATUTORY RATHER THAN ADMINISTRATIVE — unlike Alaska, Delaware, Nebraska and West Virginia, where the numbers live in a regulation. «In dealing with the insured or representative of the insured, unfair or deceptive acts or practices in the business of insurance include, but are not limited to, the following: (1) Failing to acknowledge and act within thirty days upon communications with respect to claims arising under insurance policies and to adopt and adhere to reasonable standards for the prompt investigation of such claims» (§ 58-33-67(1), history «SL 1986, ch 422, § 2; SL 1989, ch 439, § 3»). Note that ONE CLOCK COVERS BOTH DUTIES — to acknowledge AND to act — which is unusual. The days are PLAIN AND UNQUALIFIED: the section says neither «business» nor «working», so they are calendar days on the face of it, as in Hawaii and Iowa and unlike Alaska’s and Nebraska’s working days. TWO LIMITS TRAVEL WITH THE FIGURE. The section is worded «in dealing with the insured or representative of the insured», so it does not plainly reach a third-party claimant. And § 58-33-69 says in terms that «nothing in §§ 58-33-66 to 58-33-69, inclusive, grants a private right of action», so the thirty days are the Division of Insurance’s to enforce and not the policyholder’s — the same shape as West Virginia’s § 33-11-4a. NO AFFIRM-OR-DENY OR PAYMENT DEADLINE IS PUBLISHED FOR SOUTH DAKOTA, and the reason is stated in the notes rather than left as silence.

Verified as ofSeptember 11, 2026 · Car insurance claims in South Dakota →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence For injuries, the victim’s own contribution reduces compensation by at most 75 % (LRCSCVM art. 1.2); children under 14 and people without legal capacity are not reduced at all.
Minimum liability coverage	Bodily injury, per accident €70,000,000 · Property damage €15,000,000 ^[4] Compulsory cover per claim, whatever the number of victims (LRCSCVM art. 4.2); amounts may be updated by ministerial order following EU Directive 2009/103/EC.
Uninsured / underinsured motorist cover	Not applicable
Insurer response deadlines — Accept or deny	3 months from the claim ^[3] Reasoned offer (oferta motivada) or reasoned reply within three months of the claim, for injuries and for property damage alike; late payment accrues statutory interest.

Verified as ofSeptember 10, 2026 · Car insurance claims in Spain →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) Proportionate responsibility: you recover nothing if your share of responsibility is greater than 50 %; otherwise your damages are reduced by your percentage (CPRC §§ 33.001, 33.012).
Minimum liability coverage	Bodily injury, per person $30,000 · Bodily injury, per accident $60,000 · Property damage $25,000 ^[2] In force since 1 January 2011.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	15 days from the claim ^[3] Calendar days from notice of the claim, to acknowledge, start investigating and request the documents it needs (30 business days for surplus-lines insurers).
Insurer response deadlines — Accept or deny	15 days from the claim ^[3] Business days after the insurer receives every item it required for final proof of loss; it may extend once by 45 days with written reasons.
Insurer response deadlines — Pay	5 days from the claim ^[3] Business days after it notifies you that it will pay.

Verified as ofSeptember 10, 2026 · Car insurance claims in Texas →

Fault system	No-fault
Shared-fault rule	Modified comparative (50% bar) A claimant «may recover from any defendant or group of defendants whose fault, combined with the fault of persons immune from suit and nonparties to whom fault is allocated, exceeds the fault of the person seeking recovery» (§ 78B-5-818(2)). Because the others’ fault must exceed the claimant’s, a fifty-fifty crash in Utah recovers nothing — the opposite of Nevada and Oregon, where it recovers half. No defendant is liable beyond its own allocated proportion.
Minimum liability coverage	Bodily injury, per person $30,000 · Bodily injury, per accident $65,000 · Property damage $25,000 ^[1] For a policy «issued or renewed on or after January 1, 2025»: $30,000 for bodily injury to or death of one person, $65,000 subject to that limit for two or more, $25,000 for injury to or destruction of property of others — or, as an alternative the same section allows, a combined single limit of $90,000 in any one accident (§ 31A-22-304(2)). Two other tiers live in the same section and are not dropped here: 25/65/15 (or $80,000 combined) for a policy issued or renewed on or before 31 December 2024, and 25/65/15 permanently for a policy for a self-insured private rental fleet. Utah is the only state in this round whose statute dates its own minimums.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Pay	30 days from the claim ^[1] This is the personal-injury-protection payment clock and the only statutory clock Utah has. Benefits are payable monthly as expenses are incurred, and «benefits for any period are overdue if they are not paid within 30 days after the insurer receives reasonable proof of the fact and amount of expenses incurred during the period»; where reasonable proof covers only part of a claim, the proved part is overdue on its own. Late benefits bear interest at one and a half percent a month, and an insurer made to pay overdue benefits by an action must also pay the claimant a reasonable attorney’s fee (§ 31A-22-309(5)). No acknowledgement or decision deadline is stated on this page: § 31A-26-301(1)(b) leaves «the periods of time within which payment is required to be made to be timely» to a commissioner’s rule, and that rule has not yet been verified against a primary text.

Verified as ofSeptember 11, 2026 · Car insurance claims in Utah →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) Vermont’s bar bites only ABOVE the defendants’ combined causal negligence: «§ 1036. Contributory and comparative negligence. (a) CONTRIBUTORY NEGLIGENCE SHALL NOT BAR RECOVERY in an action by any plaintiff, or the plaintiff’s legal representative, to recover damages for negligence resulting in death, personal injury, or property damage, IF THE NEGLIGENCE WAS NOT GREATER THAN THE CAUSAL TOTAL NEGLIGENCE OF THE DEFENDANT OR DEFENDANTS, BUT THE DAMAGE SHALL BE DIMINISHED BY GENERAL VERDICT IN PROPORTION TO THE AMOUNT OF NEGLIGENCE ATTRIBUTED TO THE PLAINTIFF. WHERE RECOVERY IS ALLOWED AGAINST MORE THAN ONE DEFENDANT, EACH DEFENDANT SHALL BE LIABLE FOR THAT PROPORTION OF THE TOTAL DOLLAR AMOUNT AWARDED AS DAMAGES IN THE RATIO OF THE AMOUNT OF THE DEFENDANT’S CAUSAL NEGLIGENCE TO THE AMOUNT OF CAUSAL NEGLIGENCE ATTRIBUTED TO ALL DEFENDANTS AGAINST WHOM RECOVERY IS ALLOWED.» «Not greater than» is the 51 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN VERMONT RECOVERS HALF — THE OPPOSITE OUTCOME FROM MAINE AND IDAHO NEXT DOOR, which bar a claimant found equally at fault, and the same camp as Montana, Iowa, West Virginia, Hawaii and Wyoming. THREE FEATURES OF THE TEXT MATTER BEYOND THE THRESHOLD. The comparison is against the defendants’ COMBINED causal negligence, which helps a claimant facing several of them. Against that, liability among defendants is PROPORTIONATE AND NOT JOINT — «each defendant shall be liable for that proportion of the total dollar amount awarded … in the ratio of the amount of the defendant’s causal negligence to the amount of causal negligence attributed to all defendants against whom recovery is allowed» — so Vermont has no joint and several liability in the ordinary negligence case and the claimant carries an insolvent co-defendant’s share. That is the MIRROR IMAGE of Maine’s § 156, where joint and several liability survives in full. And the reduction is made «BY GENERAL VERDICT», not by a special verdict as Idaho’s § 6-802, Hawaii’s § 663-31(b) and North Dakota’s § 32-03.2-02 variously require or allow — so the arithmetic is folded into the single figure the jury returns. One further subsection is recorded for completeness and for currency, and expressly does NOT touch motor claims: «(b) Contributory and comparative negligence shall be prohibited as a defense to limit a plaintiff’s recovery for damages in an action for a negligence claim relating to a sexual act as defined in 13 V.S.A. § 3251 or sexual conduct as defined in 13 V.S.A. § 2821» — added 22 April 2024, so a reader is not misled into thinking Vermont’s comparative rule changed recently. The rule itself dates from 1969 as amended in 1980.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $10,000 ^[1] TEN THOUSAND FOR PROPERTY DAMAGE — THE LOWEST THIRD LIMB OF THE SIX STATES PROMOTED IN THIS ROUND, against $15,000 in Idaho, $20,000 in Montana and $25,000 in Maine, North Dakota and Rhode Island. The section carries TWO texts of subsection (a), each labelled by the publisher, and THIS DUAL TEXT IS BENIGN WHERE MONTANA’S IS NOT: both carry the same three amounts. The operative one, marked «[Subsection (a) as currently effective; see also subsection (a) contingently amended set out below.]», reads: «No owner of a motor vehicle required to be registered, or operator required to be licensed or issued a learner’s permit, shall operate or permit the operation of the vehicle upon the highways of the State without having in effect an automobile liability policy or bond IN THE AMOUNTS OF AT LEAST $25,000.00 FOR ONE PERSON AND $50,000.00 FOR TWO OR MORE PERSONS KILLED OR INJURED AND $10,000.00 FOR DAMAGES TO PROPERTY IN ANY ONE CRASH. IN LIEU THEREOF, EVIDENCE OF SELF-INSURANCE IN THE AMOUNT OF $115,000.00 must be filed with the Commissioner of Motor Vehicles» (23 V.S.A. § 800(a)). The second text, «[Subsection (a) as contingently amended by 2015, No. 50, § 6 …]», differs only in adding a rulemaking power over insurance identification cards, so the number is safe either way — but a draft must quote the text marked «currently effective», and the contingency on which the successor replaces it was not opened. THERE IS A SECOND FIGURE THAT MUST BE READ ALONGSIDE THIS ONE, AND IT LOOKS LIKE A CONTRADICTION UNTIL READ CAREFULLY: «THE COVERAGES UNDER SUBSECTIONS (a) AND (b) OF THIS SECTION FOR NEW OR RENEWED POLICIES SHALL BE NOT LESS THAN $50,000.00 FOR ONE PERSON AND $100,000.00 FOR TWO OR MORE PERSONS KILLED OR INJURED. If the limits of liability coverage in the policy are greater than $50,000.00 for one person and $100,000.00 for two or more persons injured or killed, THE LIMITS OF UNINSURED MOTORIST INSURANCE SHALL BE THE SAME, UNLESS THE POLICYHOLDER OTHERWISE DIRECTS» (23 V.S.A. § 941(c)), the coverages under § 941(a) and (b) being the uninsured-motorist cover AND the bodily-injury liability cover of any policy issued. SO THE FLOOR FOR AN ACTUAL ISSUED POLICY APPEARS TO SIT ABOVE THE FLOOR FOR LAWFUL OPERATION, AND BOTH FIGURES BELONG IN ANY HONEST DESCRIPTION OF VERMONT. BOTH TEXTS WERE READ AND NEITHER RESOLVES THE OTHER, SO THIS ROW PUBLISHES BOTH WITH THEIR SECTIONS AND DOES NOT CHOOSE: whether § 941(c)’s $50,000/$100,000 raises the effective minimum for every issued Vermont policy above § 800(a)’s 25/50/10, or operates only on the uninsured-motorist coverage, has not yet been verified against a primary text and is not stated here — no Vermont opinion or departmental guidance was read on how the two sections interact. PUBLISHED UNDATED, and Vermont is more informative than most on what a future verifier should open. § 800’s history line was read in full: «(Added 1985, No. 77, § 1, eff. Jan. 1, 1986; amended 1987, No. 163 (Adj. Sess.), eff. April 29, 1988; 1989, No. 84, § 5; 1997, No. 117, § 33, eff. Jan. 1, 1999; 2011, No. 46, § 6; 2013, No. 67, § 14; 2013, No. 189 (Adj. Sess.), § 13; 2015, No. 50, § 6; 2019, No. 14, § 62, eff. April 30, 2019; 2023, No. 85 (Adj. Sess.), § 279, eff. July 1, 2024.)» The SECTION commenced 1 January 1986, and the act most likely to have set the present amounts is 1997, No. 117, § 33, eff. 1 January 1999 — the same act and the same commencement date that appear in § 941’s history for its own limits — but neither act was opened and the line does not say which changed the figures. The commencement of the 25/50/10 limits has not yet been verified against a primary text and is not stated here.
Uninsured / underinsured motorist cover	Mandatory

Verified as ofSeptember 11, 2026 · Car insurance claims in Vermont →

Fault system	At-fault (tort)
Shared-fault rule	Pure comparative negligence Contributory fault chargeable to the claimant «diminishes proportionately the amount awarded as compensatory damages … but does not bar recovery», and the section sets no percentage threshold anywhere (RCW 4.22.005).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $10,000 ^[5] Written out in words in the statute: not less than $25,000 for bodily injury to or death of one person, $50,000 for two or more, $10,000 for injury to or destruction of the property of others in any one accident (RCW 46.29.090(1)). The section’s own history line stops at 1980 c 117 s 3, effective 1 September 1980, so nothing has raised the amounts since. RCW 46.30.020(1)(a) turns them into a genuine purchase mandate rather than a definition of financial responsibility.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Acknowledge the claim	10 days from the claim ^[4] Business days, and the rule says so: within 10 business days of a notification of claim under an individual policy the insurer must acknowledge receipt, and the same 10 business days apply to any later communication from a claimant that reasonably suggests a reply is expected (WAC 284-30-360(1), (3)). Group contracts get 15. Converting this to calendar days would misstate the rule.
Insurer response deadlines — Accept or deny	30 days from the claim ^[4] Calendar days here, and the chapter says so: the investigation must be completed within 30 calendar days of the notification unless it reasonably cannot be, in which case the claimant is owed written reasons and a fresh written notice every 30 days (WAC 284-30-370(1)(a)–(b)); within 30 calendar days of the notification the insurer must tell a first-party claimant in writing whether the claim is accepted or denied, and a denial must reference the specific provision, condition or exclusion relied on (WAC 284-30-380(1), (3)).
Insurer response deadlines — Pay	15 days from the claim ^[4] Business days again: 15 business days to deliver payment of a settled claim after properly executed releases or other settlement documents reach the insurer or its attorney, 20 business days to furnish a release the insurer owes, and 3 business days for a settlement draft to be honoured after notice of receipt by the payor bank (WAC 284-30-330(15), (16)). The 15 days yield to any statute, rule or contract term that sets its own payment time. A supplemental estimate or final invoice from the chosen repair facility gets an answer in writing within 5 business days (WAC 284-30-390(1)(b)(iii)).

Verified as ofSeptember 10, 2026 · Car insurance claims in Washington →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) West Virginia’s whole shared-fault regime dates from a single 2015 act and must not be described as older. «Any fault chargeable to the plaintiff shall not bar recovery by the plaintiff unless the plaintiff’s fault is greater than the combined fault of all other persons responsible for the total amount of damages, if any, to be awarded. If the plaintiff’s fault is less than the combined fault of all other persons, the plaintiff’s recovery shall be reduced in proportion to the plaintiff’s degree of fault» (§ 55-7-13c(c)). «Greater than» is the 51 % form, so a crash apportioned fifty-fifty still recovers half — as in Iowa, and the opposite of Kansas and Nebraska. The comparison is against the COMBINED fault of all other responsible persons, not against each defendant. The same section makes each defendant’s liability «several only and … not joint», each liable «only for the amount of compensatory damages allocated to that defendant in direct proportion to that defendant’s percentage of fault», with joint liability restored where two or more defendants «consciously conspire and deliberately pursue a common plan or design» (§ 55-7-13c(a)–(b)). Two carve-outs matter in a crash case: a defendant whose conduct constitutes «driving a vehicle under the influence of alcohol, a controlled substance, or any other drug», or «criminal conduct», which is a proximate cause of the damages, is jointly and severally liable anyway (§ 55-7-13c(h)). And if a liable defendant turns out to be uncollectible, the plaintiff may move «not later than one year after judgment becomes final» to have the uncollectible amount reallocated among the others by percentage of fault — including a plaintiff at fault — though never against a defendant whose percentage «is equal to or less than the plaintiff’s percentage of fault» (§ 55-7-13c(d)(1)).
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $25,000 ^[1] DATED ON THE FACE OF THE STATUTE, WITH A GRANDFATHER CLAUSE: «Beginning January 1, 2016, “proof of financial responsibility” means proof of ability to respond in damages for liability … in the amount of $25,000 because of bodily injury to or death of one person in any one accident, and, subject to the limit for one person, in the amount of $50,000 because of bodily injury to or death of two or more persons in any one accident, and in the amount of $25,000 because of injury to or destruction of property of others in any one accident: Provided, That proof of financial responsibility provided by an insurance policy in effect on December 31, 2015 in the minimum amounts required in subdivision (a) of this section shall continue to provide adequate proof of financial responsibility required by this chapter until the policy expires or is renewed» (§ 17D-4-2(b)). THE PRE-2016 TIER IS 20/40/10 AND IS STILL PRINTED IN THE SAME SECTION at subdivision (a), which is why a reader may meet either figure; the section’s bill history names the act that changed it, «2015 Regular Session — HB2790», and THAT ACT WAS NOT OPENED, so the commencement stated here is the statute’s own «Beginning January 1, 2016» and nothing more.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Acknowledge the claim	15 days from the claim ^[3] Fifteen WORKING days: «Every insurer, upon receiving notification of a claim shall, within fifteen (15) working days, acknowledge the receipt of such notice unless full payment is made within such period of time. If an acknowledgment is made by means other than writing, an appropriate notation of such acknowledgment shall be made in the claim file of the insurer and dated. Notification given to an agent of an insurer shall be notification to the insurer» (W. Va. C.S.R. § 114-14-5.1). The escape is FULL payment, not part payment. The same fifteen working days apply to a reply to any other pertinent communication from a claimant that reasonably suggests a response is expected (§ 5.3), and to a complete written response to an inquiry from the Insurance Commissioner other than notice of a third-party administrative complaint (§ 5.2).
Insurer response deadlines — Accept or deny	30 days from the claim ^[3] THIRTY CALENDAR DAYS IS THE OUTER CLOCK, AND THE STRUCTURE IS UNLIKE ANY OTHER STATE IN THIS DATASET — THREE UNITS IN TWO SUBSECTIONS, QUOTED AS WRITTEN. «If the insurer needs more than thirty (30) calendar days from the date that a proof of loss from a first-party claimant or notice of claim from a third-party claimant is received to determine whether a claim should be accepted or denied, it shall so notify the claimant in writing within fifteen (15) working days after the thirty-day period expires. If the investigation remains incomplete, the insurer shall provide written notification of the delay to the claimant every forty-five (45) calendar days thereafter until the investigation is complete» (§ 114-14-6.7). Note the trigger differs by claimant: proof of loss for a first party, notice of claim for a third party. Separately, once the investigation is actually complete the insurer has only ten working days to act: «Within ten (10) working days of completing its investigation, the insurer shall deny the claim in writing or make a written offer» (§ 114-14-6.3).
Insurer response deadlines — Pay	15 days from the claim ^[3] Fifteen WORKING days from the agreement or from the claimant’s performance of any condition, whichever is later: «Every insurer shall pay any amount finally agreed upon in settlement of all or part of any claim not later than fifteen (15) working days from the receipt of such agreement by the insurer or from the date of the performance by the claimant of any condition set by such agreement, whichever is later» (§ 114-14-6.11). It reaches part-settlements as well as whole ones.

Verified as ofSeptember 11, 2026 · Car insurance claims in West Virginia →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) Contributory negligence does not bar recovery «if that negligence was not greater than the negligence of the person against whom recovery is sought», with damages «diminished in the proportion to the amount of negligence attributed to the person recovering» — and then the decisive sentence: «The negligence of the plaintiff shall be measured separately against the negligence of each person found to be causally negligent» (Wis. Stat. § 895.045(1)). A claimant at exactly 50 % still recovers half. The 51 % figure in the same subsection is a different rule entirely: a defendant at 51 % or more is jointly and severally liable for the whole award, while one below that pays only its own share. It is not a bar on the claimant.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $10,000 ^[1] $25,000 for bodily injury to or death of one person, $50,000 for two or more, $10,000 for injury to or destruction of the property of others in any one accident (Wis. Stat. § 344.33(2)(a)–(c), corroborated from the security-deposit side at § 344.15(1)). Neither section prints an effective date or a superseded tier, so the amounts are published without a date rather than with an inferred one. The property-damage figure is a tenth of the per-person injury limit, and it is what a minimally insured driver brings to the table when a car is written off.
Uninsured / underinsured motorist cover	Mandatory
Insurer response deadlines — Acknowledge the claim	10 days from the claim ^[8] Consecutive days — the rule’s own word, so calendar days — because the administrative rule requires insurers to acknowledge communications and provide forms «promptly» and then defines the word: «the terms “prompt” and “promptly” as used in this rule shall mean responsive action within 10 consecutive days from receipt of a communication concerning a claim» (Wis. Admin. Code § Ins 6.11(4)). Two limits travel with it: the definition is expressly subordinate, «except where a different period is specified by statute or rule», and § Ins 6.11(3)(a) bites only on conduct «without just cause and performed with such frequency as to indicate general business practice». Wisconsin has no decision clock at all — the duty to affirm or deny coverage is stated only as «within a reasonable time after proof of loss has been completed» (§ Ins 6.11(3)(a)7.), with no day count anywhere in the chapter.

Verified as ofSeptember 11, 2026 · Car insurance claims in Wisconsin →

Fault system	At-fault (tort)
Shared-fault rule	Modified comparative (51% bar) Wyoming’s bar bites only ABOVE fifty per cent: «Contributory fault shall not bar a recovery in an action by any claimant or the claimant’s legal representative to recover damages for wrongful death or injury to person or property, if the contributory fault of the claimant is not more than fifty percent (50%) of the total fault of all actors. Any damages allowed shall be diminished in proportion to the amount of fault attributed to the claimant» (§ 1-1-109(b)). «Not more than fifty percent» is the 51 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN WYOMING STILL RECOVERS HALF. THREE FEATURES MATTER MORE THAN THE HEADLINE. First, the denominator is «the total fault of ALL ACTORS», and «actor» is defined to include any person «whose fault is determined to be a proximate cause … whether or not the actor is a party to the litigation» (§ 1-1-109(a)(i)), so an absent, unidentified or immune driver’s share counts in the comparison. Second, the statute speaks of «fault», defined in (a)(iv) to reach strict tort and products liability, breach of warranty, assumption of risk and misuse of a product, not negligence alone. Third — and this is the practical consequence — WYOMING APPORTIONS SEVERALLY, NOT JOINTLY: «Each defendant is liable only to the extent of that defendant’s proportion of the total fault» (§ 1-1-109(e)), so a defendant found thirty per cent at fault pays thirty per cent and the claimant carries the shortfall if a co-defendant cannot pay. The court must «direct the jury to determine the total amount of damages sustained by the claimant without regard to the percentage of fault attributed to the claimant, and the percentage of fault attributable to each actor» and must «inform the jury of the consequences of its determination of the percentage of fault» (§ 1-1-109(c)(i)) — the exact opposite of South Dakota’s § 20-9-2, which forbids disclosing the plaintiff’s percentage by special interrogatory.
Minimum liability coverage	Bodily injury, per person $25,000 · Bodily injury, per accident $50,000 · Property damage $20,000 ^[1] TWENTY THOUSAND FOR PROPERTY DAMAGE, NOT TWENTY-FIVE — THAT IS THE DIGIT A SUMMARY ROUNDS UP. An owner’s policy must «insure the person named and … any other person, as insured, using any covered motor vehicle with the express or implied permission of the named insured against loss from the liability imposed by law for damages arising out of the ownership, maintenance or use of the motor vehicle within the United States of America or the Dominion of Canada, subject to limits exclusive of interest and costs with respect to each motor vehicle, as follows: twenty-five thousand dollars ($25,000.00) because of bodily injury to or death of one (1) person in any one (1) accident and, subject to the limit for one (1) person, fifty thousand dollars ($50,000.00) because of bodily injury to or death of two (2) or more persons in any one (1) accident and twenty thousand dollars ($20,000.00) because of injury to or destruction of property of others in any one (1) accident» (§ 31-9-405(b)(ii)). The same 25/50/20 figures define «proof of financial responsibility» for a BOND as well as for a policy (§ 31-9-102(a)(xi)), so the two routes to legality carry identical limits — and that definition is also the cross-reference by which the uninsured-motorist mandate fixes ITS limits, which is why the two must be read together. Subsection (e) excludes worker’s-compensation liability and damage to property «owned by, rented to, in charge of or transported by the insured» from the compulsory policy. PUBLISHED UNDATED, AND THE REASON IS A PROPERTY OF THE PUBLISHER’S FORMAT RATHER THAN A FETCH FAILURE: the Legislature’s compressed title PDFs carry NO history or source lines at all — an in-place repeal is noted («Repealed By Laws 2013, Ch. 102, § 3») but an amendment leaves no trace — so no effective date can be read off any Wyoming section. The commencement of the 25/50/20 limits has not yet been verified against a primary text and is not stated here.
Uninsured / underinsured motorist cover	Optional
Insurer response deadlines — Accept or deny	45 days from the claim ^[3] FORTY-FIVE DAYS, AND ONE SENTENCE DOES THE WORK OF THREE CLOCKS — acceptance, rejection AND payment — which no other jurisdiction in this dataset achieves in a single provision: «Claims for benefits under a property or casualty insurance policy shall be rejected or accepted and paid by the insurer or its agent designated to receive those claims within forty-five (45) days after receipt of the claim and supporting bills» (§ 26-15-124(b)). Subsection (a) sets the same forty-five days for life, accident and health claims «after receipt of the proofs of loss and supporting evidence», with an exception where an accident-and-health question goes to the Wyoming state medical peer review committee. The days are PLAIN AND UNQUALIFIED — the section says neither «business» nor «working» — so calendar days on the face of it. AND NOTE THE TRIGGER: «receipt of the claim and supporting BILLS», not a formal proof of loss, which for a vehicle claim is the repair invoice.
Insurer response deadlines — Pay	45 days from the claim ^[3] The SAME forty-five days of § 26-15-124(b): the sentence requires the claim to be «rejected or accepted AND PAID … within forty-five (45) days after receipt of the claim and supporting bills», so the decision and the payment share one deadline rather than running consecutively as they do in Iowa, Kansas, Nebraska and West Virginia. THE REMEDY FOR THE OVERRUN IS FIXED AND PRINTABLE, UNLIKE NEW MEXICO’S FLOATING RATE: «if it is determined that the company refuses to pay the full amount of a loss covered by the policy and that the refusal is unreasonable or without cause, any court in which judgment is rendered for a claimant may also award a reasonable sum as an attorney’s fee and interest at ten percent (10%) per year» (§ 26-15-124(c)). Note what is weaker and what is stronger than in South Dakota: the standard is «unreasonable or without cause» rather than «vexatious or without reasonable cause», but the award is DISCRETIONARY («may») where South Dakota’s § 58-12-3 is mandatory.

Verified as ofSeptember 11, 2026 · Car insurance claims in Wyoming →

Frequently asked questions

If I claim on my own policy, am I admitting fault?

No. Claiming on your own collision coverage says nothing about fault; it is a contract you paid for, and it responds regardless of who caused the crash. Your insurer will form its own view of fault afterwards, in order to decide whether to pursue the other driver's insurer for what it paid out.

Can I claim on both?

You can approach both, but you are not paid twice for the same loss. If your own insurer pays first, it takes over your right to recover that amount from the other side. Claiming the same damage from both after being paid once is fraud, not strategy.

What if the other driver has no insurance, or not enough?

Then the third-party route mostly ends there, because an insurer cannot pay a claim on a policy that does not exist and a driver without assets is not worth suing. That is what uninsured and underinsured motorist coverage exists for, and whether you have it — and whether your jurisdiction requires it to be offered — is one of the fields below.

This guide explains how car insurance claims generally work. It is not legal advice, does not create a lawyer–client relationship, and is not a statement of any insurer's or regulator's position. Rules change and differ by jurisdiction; check the cited instrument and, where money or injury is at stake, consult a licensed professional in your jurisdiction.

Where the choice is not yours

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