The minimum liability insurance required is $50,000 per person for bodily injury or $100,000 per accident regardless of the number of injured people. The minimum property damage liability limit is $25,000.
If the person legally responsible for the injury has no insurance coverage or the damages exceed the amount of that person’s liability insurance coverage, the injured person may make a claim against his/her own insurance if he/she has purchased uninsured or underinsured motorist coverage. Under this situation, the injured person’s own insurance company stands in the shoes of the uninsured driver.
Passengers in a negligently driven automobile are frequently covered by a limited amount of medical insurance coverage (med-pay), but only if the driver purchased med-pay coverage. The law does not require med-pay coverage and the amount of med-pay coverage varies from policy to policy.