### State-by-State Breakdown & ### The True Cost of Inadequate Coverage

Low-Requirement States with particularly inadequate minimums include: - Florida: $10,000/$20,000/$10,000 (no bodily injury required if you have PIP) - California: $15,000/$30,000/$5,000 - Tennessee: $25,000/$50,000/$15,000 - Arizona: $25,000/$50,000/$15,000

These states' minimums are especially problematic given their large populations, high traffic volumes, and expensive metropolitan areas.

Moderate-Requirement States include: - Texas: $30,000/$60,000/$25,000 - Illinois: $25,000/$50,000/$20,000 - Pennsylvania: $15,000/$30,000/$5,000 - Ohio: $25,000/$50,000/$25,000

Even these "moderate" requirements often prove inadequate for serious accidents involving multiple vehicles or significant injuries.

Higher-Requirement States offer somewhat better protection: - Alaska: $50,000/$100,000/$25,000 - Maine: $50,000/$100,000/$25,000 - Connecticut: $25,000/$50,000/$25,000 (but requires higher uninsured motorist coverage) Unique State Requirements include: - Michigan: Unlimited PIP coverage (recently modified to allow limitations) - New Jersey: Choice between limited tort and full tort options - New York: $50,000/$100,000/$10,000 plus $50,000 PIP - Hawaii: $20,000/$40,000/$10,000 plus $10,000 PIP

Real-world accident costs demonstrate why minimum coverage creates massive financial risks.

Medical Cost Reality shows that serious injuries routinely generate six-figure medical bills. A traumatic brain injury can result in lifetime medical costs exceeding $1 million. Spinal cord injuries average $350,000 in first-year costs alone. Even moderate injuries like broken bones with surgical repair can cost $50,000-100,000. Property Damage Escalation reflects modern vehicle complexity and cost. Repairing luxury vehicles with advanced safety systems, aluminum construction, and sophisticated electronics routinely costs $20,000-40,000 for moderate damage. Total loss claims for expensive vehicles can exceed $100,000. Legal and Settlement Costs add significant exposure beyond actual damages. Attorney fees, court costs, expert witness fees, and settlement negotiations can double the total cost of claims. Pain and suffering awards in injury cases often exceed actual medical costs by 2-3 times. Personal Asset Exposure becomes reality when coverage is insufficient. Lawsuit judgments can result in wage garnishment, asset seizure, bankruptcy, and damaged credit that affects employment, housing, and financial opportunities for years.