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 $6,888,630/person; | Up to $22,960/person
for non-catastrophic injury, up to $202,200 for catastrophic injury |
Funeral expense benefits: | $10,331 | $6,740 |
Disability income benefits: | 90% of net wages based on gross annual income of maximum $96,034/year; nothing is payable for the first seven days of disability unless catastrophically injured | Up to two years; $438/week for total disability (lifetime if unable to return to any job); $219/week for partially disability; maximum $22,776/year |
Death benefits: | 45% of deceased's net income benefit to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $15,792 to each surviving parent or child (21 years or older), to maximum $71,066; death of dependent child $31,584 | 45% of deceased's net income; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $13,480 |
Impairment benefits: | Up to $197,405/person for non-catastrophic injury, up to $241,102 for catastrophic injury | Up to $13,480/person for non-catastrophic injury, up to $175,240 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) |