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South Carolina is an at-fault state with modified comparative negligence (51% bar), 25/50/25 minimum insurance, mandatory UM coverage, and a 3-year injury SOL.
Rhode Island is an at-fault state with pure comparative negligence. Minimum limits are 25/50/25, UM/UIM is required by default, and the PI deadline is 3 years.
Pennsylvania is a choice no-fault state: elect full tort or limited tort at policy purchase. Learn the 15/30/5 minimums, 2-year SOL, verbal threshold, and 51% bar.
Oregon is an at-fault state with mandatory add-on PIP, modified-51 comparative fault, 25/50/20 minimums, and a 2-year injury filing deadline.
Oklahoma is an at-fault state with a 51% comparative negligence bar, 25/50/25 minimum liability limits, and a 2-year PI statute of limitations. Learn your rights.
Ohio is an at-fault state with a 51% comparative negligence bar, 25/50/25 minimum insurance, optional UM/UIM, and a 2-year statute of limitations (R.C. 2305.10).
North Dakota is a no-fault PIP state with a $2,500 monetary and 60-day verbal serious-injury threshold, 25/50/25 minimums, mandatory UM/UIM, and a 6-year SOL.
North Carolina is a pure at-fault state with contributory negligence: 1% fault bars all recovery. Learn the 50/100/50 minimums, 3-year SOL, and mandatory UIM rule.
New York is a no-fault PIP state. Learn the verbal serious-injury threshold (Ins. Law 5102(d)), 3-year lawsuit deadline, pure comparative negligence, and minimum insurance rules.
New Mexico is an at-fault state with pure comparative negligence. Learn the 25/50/10 minimums, 3-year filing deadline, and UM/UIM rules under NMSA 1978.
New Jersey is a choice no-fault state: PIP pays first, then you pick limited-tort (verbal threshold) or full-tort. Learn the 35/70/25 limits, 2-year SOL, and 51% bar.
NH is an at-fault state with no mandatory insurance, modified comparative fault (51% bar), 25/50/25 minimums when a policy is required, and a 3-year filing deadline.