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: | Not applicable |
| If no-fault option selected: | If tort option selected: |
Medical payments: | Up to $7,074,623/person; | Up to $27,688/person
for non-catastrophic injury, up to $207,659 for catastrophic injury |
Funeral expense benefits: | $10,610 | $6,922 |
Disability income benefits: | 90% of net wages based on gross annual income of maximum $97,530/year; nothing is payable for the first seven days of disability unless catastrophically injured | Up to two years; $442/week for total disability (lifetime if unable to return to any job); $221/week for partially disability; maximum $22,984/year |
Death benefits: | 45% of deceased's net income benefit to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $16,218 to each surviving parent or child (21 years or older), to maximum $72,985; death of dependent child $32,437 | 45% of deceased's net income; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $13,844 |
Impairment benefits: | Up to $202,735/person for non-catastrophic injury, up to $247,612 for catastrophic injury | Up to $13,480/person for non-catastrophic injury, up to $179,971 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) |