Compulsory minimum third-party liability: | $200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000 |
Direct Compensation
Property Damage Required: | No |
| If no-fault option selected: | If tort option selected: |
Medical payments: | Up to $6,813,680/person; | Up to $26,667/person
for non-catastrophic injury, up to $200,000 for catastrophic injury |
Funeral expense benefits: | $10,219 | $6,667 |
Disability income benefits: | 90% of net wages based on gross annual income of maximum $94,587/year; nothing is payable for the first seven days of disability unless catastrophically injured | Up to two years; $429/week for total disability (lifetime if unable to return to any job); $214/week for partially disability ($107/week if worked less than six months prior to collision); maximum $22,308/year |
Death benefits: | 50% of deceased's income benefit; minimum $70,293 to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $15,620 to each surviving parent or child (21 years or older), to maximum $70,293; death of dependent child $31,240 | 45% of deceased's net income; minimum $60,000 to spouse; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $13,333 |
Impairment benefits: | Up to $195,257/person for non-catastrophic injury, up to $238,479 for catastrophic injury | Up to $13,333/person for non-catastrophic injury, up to $173,333 for catastrophic injury |
Right to sue for pain and suffering? | No | Yes, subject to deductible of $5,000 |
Right to sue for economic loss in excess of no-fault benefits? | Yes | Yes |
Administration: | Government (government and private insurers compete for optional and excess coverage) |