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Mandatory 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.
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Direct Compensation Property Damage Required? | Not applicable | |
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If no-fault option selected: |
If tort option selected: |
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Medical payments: | Up to $7,259,646/person.
| Up to $28,412 /person for non-catastrophic injury, up to $213,090 for catastrophic injury.
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Funeral expense benefits: | $10,887.
| $7,103.
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Disability income benefits: | 90% of net wages based on actual gross annual income that is less than $102,673/year; nothing payable for the first seven days of disability, unless catastrophically injured. | Up to two years; $458/week for total disability (lifetime if unable to return to any job); $229/week for partial disability; maximum $ 23,816 /year. |
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Death benefits: | 45% of deceased’s net income benefit to spouse; 5% of deceased’s net income to each dependent child; if no spouse, $16,642 to each surviving parent or child (21 years or older), to maximum $74,894; death of dependent child $33,285.
| 45% of deceased’s net income; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $14,206.
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Impairment benefits: | Up to $208,037/person for non-catastrophic injury, up to $254,087 for catastrophic injury. | Up to $14,206/person for non-catastrophic injury, up to $184,678 for catastrophic injury.
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Right to sue for pain and suffering? | No.
| Yes, subject to deductible of $5,000.
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Right to sue for economic loss in excess of no-fault benefits? | Yes.
| Yes.
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Administration: | Government (government and private insurers compete for optional and excess coverage)
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