Car insurance claim rules by state and country
Fault system, deadlines to claim and to sue, insurer response times, minimum liability coverage and the regulator to complain to — one page per jurisdiction, every rule cited.
We publish a jurisdiction only after every rule on the page has been checked against the statute or regulator's own text. These are being verified now.
United States
- Alaska Verified
- Arizona Verified
- California Verified
- Colorado Verified
- Connecticut Verified
- Delaware Verified
- Florida Verified
- Hawaii Verified
- Idaho Verified
- Illinois Verified
- Indiana Verified
- Iowa Verified
- Kansas Verified
- Kentucky Verified
- Louisiana Verified
- Maine Verified
- Maryland Verified
- Massachusetts Verified
- Michigan Verified
- Missouri Verified
- Montana Verified
- Nebraska Verified
- Nevada Verified
- New Mexico Verified
- New York Verified
- North Dakota Verified
- Oklahoma Verified
- Oregon Verified
- Pennsylvania Verified
- Rhode Island Verified
- South Carolina Verified
- South Dakota Verified
- Texas Verified
- Utah Verified
- Vermont Verified
- Washington Verified
- West Virginia Verified
- Wisconsin Verified
- Wyoming Verified
Canada
- Alberta Verified
- British Columbia Verified
- Manitoba Verified
- New Brunswick Verified
- Newfoundland and Labrador Verified
- Nova Scotia Verified
- Ontario Verified
- Quebec Verified
- Saskatchewan Verified
United Kingdom
- England and Wales Verified
- Northern Ireland Verified
- Scotland Verified
Europe
- Spain Verified
Latin America
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.