Understanding State Insurance Regulations

Every state has its own rules for how car accidents and insurance claims are handled. These laws determine who pays for what, how fault is decided, and what coverage limits apply. From at-fault vs. no-fault systems to PIP (Personal Injury Protection) and MedPay requirements, lawsuit thresholds, and uninsured motorist coverage (UM/UIM) — regulations vary widely depending on where you live.

Knowing your state’s insurance laws helps you understand what your policy covers, what compensation you may be eligible for, and when you can pursue additional claims after an accident.

Each state also handles fault differently. In at-fault states, the driver responsible for the crash pays for damages. In no-fault states, each driver’s insurance covers their own losses.

At-Fault States

In at-fault states, the driver who caused the crash — and their insurer — are responsible for paying for injuries and property damage.

You’ll typically file a claim against the at-fault driver’s insurer.

Example: In California, if another driver rear-ends you, their insurance covers your repairs and medical bills.

Many fault states also have minimum liability coverage requirements and may allow victims to pursue additional compensation through legal claims.

No‑Fault States

In no-fault states, each driver’s insurance pays for their own medical expenses and lost wages, regardless of who caused the crash.

You’ll usually use your PIP first, and can only sue if your injuries meet certain state-specific thresholds.

Example: In Florida, you can only file a lawsuit against the at-fault driver if your injuries are considered serious under state law.

No-fault states often limit lawsuits but require higher PIP coverage to ensure medical bills and lost wages are covered.

Click below to explore your state’s insurance regulations and see how fault laws, coverage limits, and compensation rules apply where you live.

Need to Contact Your Insurance Provider?

Find your insurance company’s claims department or roadside assistance number below

Geico

Claims: (800) 841-3000

Roadside: (800) 424-3426

Progressive

Claims: (800) 841-3000

Roadside: (800) 424-3426

State Farm

Claims: (800) 841-3000

Roadside: (800) 424-3426

Find Accident Report Resources by State

Each state has its own process for obtaining official accident or crash reports. Select your state to get accurate information.