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	<title>SUPER CHEAP AUTO INSURANCE &#187; insurance terms</title>
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		<title>liability insurance</title>
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		<pubDate>Tue, 10 Feb 2009 09:27:41 +0000</pubDate>
		<dc:creator>Cheap Car Insurance</dc:creator>
				<category><![CDATA[insurance terms]]></category>
		<category><![CDATA[insurance dictionary]]></category>

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		<description><![CDATA[liability auto insurance is the minimum car insurance required by law. in the event of an at fault accident, liability property damage will be paid up to the policy limit for the other party&#8217;s vehicle and material damages. liability personal injury coverage will cover the medical bills, pain and suffering, and other costs associated with [...]]]></description>
			<content:encoded><![CDATA[<p>liability auto insurance is the minimum car insurance required by law.  in the event of an at fault accident, liability property damage will be paid up to the policy limit for the other party&#8217;s vehicle and material damages.  liability personal injury coverage will cover the medical bills, pain and suffering, and other costs associated with the auto insurance claim or settlement.  liability usually comes bundled in packages like:<br />
bodily injury 50,000/100,000<br />
property damage 50,000<br />
this car insurance policy would cover up to $50,000 per person for a total of up to $100,000 per occurrence.  Property damage will be paid up to $50,000.  any charges in excess of these limits can become the responsibility of the policy holder.  individuals with property will usually opt for higher limits on liability insurance since they have expensive assets to protect.</p>
<p>auto insurance minimums by state:</p>
<table>
<tr>
<th>state</th>
<th>per person</th>
<th>per accident</th>
<th>property damage</th>
</tr>
<tr>
<td><a href="http://www.revenue.alabama.gov/motorvehicle/MLI_FAQ.html#mli2" target="_blank" title="alabama motor vehicle division">al &#8211; alabama insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.state.ak.us/dmv/faq/manins.htm" target="_blank" title="alaska division of motor vehicles">ak &#8211; alaska auto insurance minimums</a></td>
<td>50000</td>
<td>100000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.azdot.gov/mvd/faqs/scripts/FAQsResponse.asp?Category=3&#038;Keyword=" target="_blank" title="arizona department of transportation">az &#8211; arizona car insurance minimums</a></td>
<td>15000</td>
<td>30000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://insurance.arkansas.gov/consumers/F_A_Q.htm" target="_blank" title="arkansas insurance department">ak &#8211; arkansas insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.dmv.ca.gov/pubs/brochures/fast_facts/ffvr18.htm#minliareq" target="_blank" title="california department of motor vehicles">ca &#8211; california auto insurance</a></td>
<td>15000</td>
<td>30000</td>
<td>5000</td>
</tr>
<tr>
<td><a href="http://www.dora.state.co.us/Insurance/consumer/AutoMain.htm" target="_blank" title="colorado department of regulatory agencies">co &#8211; colorado required insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>15000</td>
</tr>
<tr>
<td><a href="http://www.ct.gov/cid/cwp/view.asp?q=390260" target="_blank" title="Connecticut Insurance Department">ct &#8211; connecticut  required car insurance</a></td>
<td>20000</td>
<td>40000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.dmv.de.gov/services/vehicle_services/faqs/ve_faqs_insurance.shtml" target="_blank" title="Delaware Division of Motor Vehicles">de &#8211; delaware required auto insurance</a></td>
<td>15000</td>
<td>30000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.flhsmv.gov/ddl/frfaqgen.html" target="_blank" title="Florida Department of Highway Safety and Motor Vehicles">fl &#8211; florida minimum insurance</a></td>
<td>10000</td>
<td>10000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.gainsurance.org/ConsumerService/AutoInsurance.aspx" target="_blank" title="office of insurance and safety fire commissioner">ga &#8211; georgia minimum car insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://hawaii.gov/dcca/areas/ins/consumer/consumer_information/mvi" target="_blank" title="hawaii department of commerce and consumer affairs">hi &#8211; hawaii minimum auto insurance</a></td>
<td>20000</td>
<td>40000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.doi.idaho.gov/consumer/basic_coverages.aspx" target="_blank" title="idaho department of insurance">id &#8211; idaho car insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>15000</td>
</tr>
<tr>
<td><a href="http://www.illinoisinsurance.org/Auto.aspx" target="_blank" title="Illinois Insurance Association">il &#8211; illinois insurance required</a></td>
<td>20000</td>
<td>40000</td>
<td>15000</td>
</tr>
<tr>
<td><a href="http://www.in.gov/idoi/2333.htm" target="_blank" title="indiana department of insurance">in &#8211; indiana minimum insurance required</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.iowadot.gov/mvd/ods/financial.htm" target="_blank" title="iowa department of transporation">ia &#8211; iowa min insurance</a></td>
<td>0</td>
<td>0</td>
<td>0</td>
</tr>
<tr>
<td><a href="http://www.ksinsurance.org/consumers/autoinfo.htm" target="_blank" title="Kansas Insurance Department">ks &#8211; kansas insurance required</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://doi.ppr.ky.gov/kentucky/" target="_blank" title="kentucky insurance department">ky &#8211; kentucky auto insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="https://web01.dps.louisiana.gov/OMV1.nsf/58c968bd569b099986256cdc000806eb/89f0a313d753f522862564cf004a2c5f?OpenDocument" target="_blank" title="LOUISIANA DEPARTMENT OF PUBLIC SAFETY OFFICE OF MOTOR VEHICLES">la &#8211; louisiana car insurance minimums</a></td>
<td>10000</td>
<td>20000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.maine.gov/pfr/insurance/consumer/auto.htm" target="_blank" title="The Maine Bureau Of Insurance">ma &#8211; maine automobile insurance minimums</a></td>
<td>50000</td>
<td>100000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.marylandmva.com/VehicleServ/INSURANCE/approved.htm" target="_blank" title="maryland department of transportation motor vehicle administration">md &#8211; maryland automobile insurance</a></td>
<td>20000</td>
<td>40000</td>
<td>15000</td>
</tr>
<tr>
<td><a href="http://www.mass.gov/?pageID=ocaterminal&#038;L=5&#038;L0=Home&#038;L1=Consumer&#038;L2=Insurance&#038;L3=Automobile+Insurance&#038;L4=Ways+to+Save+on+Your+Auto+Insurance+2008&#038;sid=Eoca&#038;b=terminalcontent&#038;f=doi_Consumer_WaysToSave_Compulsory&#038;csid=Eoca" target="_blank" title="massachusetts Office of Consumer Affairs &#038; Business Regulation (OCABR)">ma &#8211; massachusetts required automobile insurance</a></td>
<td>20000</td>
<td>40000</td>
<td>5000</td>
</tr>
<tr>
<td><a href="http://www.michigan.gov/documents/dleg/08_auto_buyer_guide_ENTIRETY_243180_7.pdf" target="_blank" title="michigan Department of Labor and Economic Growth Office of Financial and Insurance Regulation">mi &#8211; michigan car insurance minimum</a></td>
<td>20000</td>
<td>40000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.state.mn.us/mn/externalDocs/Commerce/What_You_Need_to_Know_about_Auto_Insurance_013003105358_Auto%20Insurance3-00.pdf" target="_blank" title="Minnesota Department of Commerce">mn &#8211; minnesota auto insurance minimum</a></td>
<td>40000</td>
<td>60000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.mmvc.state.ms.us/mmvc/MotorVeh.nsf" target="_blank" title="Mississippi Motor Vehicle Commission">mi &#8211; mississippi automobile insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.doj.mt.gov/driving/default.asp" target="_blank" title="montana Driver Services">mo &#8211; montana insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.doi.ne.gov/brochure/out07162.pdf" target="_blank" title="Nebraska Department of Insurance">ne &#8211; nebraska insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.dmvnv.com/ivp.htm" target="_blank" title="Nevada Department of Motor Vehicles">nv &#8211; nevada insurance minimums</a></td>
<td>15000</td>
<td>30000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.nh.gov/insurance/consumers/documents/guidetounderstandingautoins.pdf" target="_blank" title="New Hampshire Insurance Department">nh &#8211; new hampshire insurance requirements</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.nj.gov/dobi/division_consumers/insurance/basicpolicy.shtml" target="_blank" title="New Jersey Department of Banking and Insurance">nj &#8211; new jersey insurance requirement</a></td>
<td>10000</td>
<td>15000</td>
<td>5000</td>
</tr>
<tr>
<td><a href="http://www.nmprc.state.nm.us/insurance/property_casualty/pdf/p_cfaqs.pdf" target="_blank" title="New Mexico Public Regulation Commission - Insurance Division">nm &#8211; new mexico mandatory insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.ins.state.ny.us/auto/2008/auto0802.htm" target="_blank" title="New York State Insurance Department">ny &#8211; new york mandatory insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.ncdot.org/DMV/vehicle_services/registrationtitling/insuranceRequirements.html" target="_blank" title="The North Carolina Department of Transportation">nc &#8211; north carolina mandatory insurance limits</a></td>
<td>30000</td>
<td>60000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.nd.gov/ndins/consumer/details.asp?ID=130" target="_blank" title="North Dakota Insurance Department">nd &#8211; north dakota mandatory auto insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://bmv.ohio.gov/financial_responsibility/fr_requirements.htm" target="_blank" title="Ohio Bureau of Motor Vehicles">oh &#8211; ohio mandatory auto insurance</a></td>
<td>12500</td>
<td>25000</td>
<td>7500</td>
</tr>
<tr>
<td><a href="http://www.ok.gov/oid/documents/InsuranceFAQ-auto42.pdf" target="_blank" title="Oklahoma Insurance Department">ok &#8211; oklahoma mandatory car insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.oregon.gov/ODOT/DMV/driverid/insurance.shtml" target="_blank" title="Oregon DMV">or &#8211; oregon insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.ins.state.pa.us/ins/cwp/view.asp?a=1339&#038;q=545100" target="_blank" title="Pennsylvania Department of Transportation">pa &#8211; pennsylvania mandatory car insurance minimum</a></td>
<td>15000</td>
<td>30000</td>
<td>5000</td>
</tr>
<tr>
<td><a href="http://www.dbr.ri.gov/documents/divisions/insurance/property_casualty/com_guide-auto_insur.PDF" target="_blank" title="THE DEPARTMENT OF BUSINESS REGULATION INSURANCE DIVISION">ri &#8211; rhode island mandatory car insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.scdmvonline.com/dmvnew/default.aspx?n=insurance_requirements" target="_blank" title="South Carolina Department of Motor Vehicle">sc &#8211; south carolina mandatory automobile insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://www.state.sd.us/drr2/reg/insurance/consumer/auto/mandatoryauto.htm" target="_blank" title="south dakota division of insurance">sd &#8211; south dakota mandatory automobile insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://tennessee.gov/safety/FinancialResponsibility/fraffidavitssr22.htm" target="_blank" title="Tennessee Department of Safety">tn &#8211; tennessee mandatory insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>15000</td>
</tr>
<tr>
<td><a href="http://www.tdi.state.tx.us/consumer/financialrespon.html" target="_blank" title="Texas Department of Insurance">tx &#8211; texas insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>25000</td>
</tr>
<tr>
<td><a href="http://dmv.utah.gov/registerinsurance.html" target="_blank" title="utah dmv">ut &#8211; utah car insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>15000</td>
</tr>
<tr>
<td><a href="http://www.aot.state.vt.us/dmv/INSURANCE/INSURANCE.htm" target="_blank" title="vermont department of motor vehicles">vt &#8211; vermont insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>15000</td>
</tr>
<tr>
<td><a href="http://www.dmv.state.va.us/webdoc/citizen/vehicles/insurance.asp" target="_blank" title="Virginia Department of Motor Vehicles (DMV)">va &#8211; virginia car insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>20000</td>
</tr>
<tr>
<td><a href="http://www.dol.wa.gov/driverslicense/insurance.html" target="_blank" title="washington state department of licensing">wa &#8211; washington auto insurance minimums</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://www.wvinsurance.gov/consumer/mandatory_limits.htm" target="_blank" title="West Virginia Offices of the Insurance Commissioner">wv &#8211; west virginia minimum insurance</a></td>
<td>20000</td>
<td>40000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://oci.wi.gov/faq/auto.htm#finresp" target="_blank" title="Department of Transportation, Division of Motor Vehicles (DMV)">wi &#8211; wisconsin auto insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>10000</td>
</tr>
<tr>
<td><a href="http://insurance.state.wy.us/consumfm/word60/Auto.doc" target="_blank" title="Wyoming Insurance Department">wy &#8211; wyoming minimum automobile insurance</a></td>
<td>25000</td>
<td>50000</td>
<td>20000</td>
</tr>
</table>
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