Minimum liability coverage amounts are:
$10,000 for property damage
$25,000 for the injury or death of one person
$50,000 for the injury or death of more than one person
Proof of insurance
Drivers and owners of motor vehicles are required to show proof of insurance at traffic stops/accidents if requested by law enforcement. Proof is not necessary for trailers or semi-trailers.
Operating a motor vehicle without insurance may result in a fine of up to $500.
Drivers and owners who fail to show proof of insurance at the time of the stop/accident may be fined up to $10.
Offering proof of insurance that is found to be fraudulent may result in a fine of up to $5,000.
There is no requirement that you provide proof of insurance when you obtain your driver license or are registering a vehicle, unless that information is requested by DMV and is a requirement before reinstatement of a driver license after a suspension or revocation.
If you have additional questions about the minimum amounts required, please contact your insurance agent or the Office of the Commissioner of Insurance.