# Is my state a no-fault state? URL: https://mywreckcheck.com/motor-vehicle-accident/tools/no-fault-coverage-checker Whether your state runs no-fault or at-fault, what PIP pays, and the minimum liability limits behind the other driver. [Car, truck & motorcycle crashes](https://mywreckcheck.com/motor-vehicle-accident) / [Tools](https://mywreckcheck.com/tools) For each state: no-fault or at-fault, whether PIP is required and what it pays, the minimum liability limits the other driver was required to carry, and whether uninsured and underinsured motorist coverage must be offered. When the bills are bigger than the minimum limits, that gap is the whole story of the claim, and almost nobody knows it before they look. Your answers stay on this device. Nothing you type here is sent anywhere. Your stateWhy we askState decides almost everything here: how long you have, whether fault bars you, whether you must use your own PIP first, and what the other driver was required to carry.For exampleTexas 2 of 51 covered Not sure where to start? Take the Wreck Check. About 2 minutes, no sign-up. Short questions, each with an example, and your answers stay on this device. [Start your Wreck Check→](https://mywreckcheck.com/check) ## How this works * Every row was read directly from the cited statute or state insurance department page on the date shown in that row, and quotes the operative language in its source label. * Only states verified from a primary source appear here. A state that is missing is missing on purpose: a wrong deadline or a wrong minimum limit is worse than no answer at all. * Rules change. Florida moved negligence claims from a four-year to a two-year deadline, so any row that is not re-checked will eventually become wrong. ## Sources * [Florida Statutes 627.736: PIP to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits; 80 percent of reasonable medical expenses and 60 percent of lost gross income; initial services and care must be received within 14 DAYS of the crash. Read 2026-09-23.](https://www.leg.state.fl.us/statutes/index.cfm?App%5Fmode=Display%5FStatute&URL=0600-0699/0627/Sections/0627.736.html) * [Texas Department of Insurance: Auto insurance guide. Texas minimums are $30,000 per person, $60,000 per accident and $25,000 property damage (30/60/25); PIP is included in all Texas auto policies unless rejected in writing, and insurers must offer uninsured/underinsured motorist coverage. Read 2026-09-23.](https://www.tdi.texas.gov/pubs/consumer/cb020.html) * [NAIC: Auto insurance consumer topic and the Auto Insurance Database Report, used for the national picture and for links to each state's insurance department. Read 2026-09-23.](https://content.naic.org/cipr-topics/auto-insurance) Expert review My Wreck Check Editorial Team, editorial review: primary sources checked and independently fact-checked (October 26, 2026) Last verified September 23, 2026 Information only, not legal advice. Every row cites the statute it came from and the date it was checked. Deadlines and coverage rules change — check the citation before relying on it. ## Common questions ### What does the is my state a no-fault state? do? For each state: no-fault or at-fault, whether PIP is required and what it pays, the minimum liability limits the other driver was required to carry, and whether uninsured and underinsured motorist coverage must be offered. When the bills are bigger than the minimum limits, that gap is the whole story of the claim, and almost nobody knows it before they look. ### Where do the numbers come from? Until this tool is reviewed it uses sample assumptions. The sources it will cite are listed on this page. Related guides * [What to do after a crash that was not your faultBeing clearly not at fault does not make the claim simple. Here is what to do in the first days, and the mistakes that quietly cost people money.](https://mywreckcheck.com/motor-vehicle-accident/what-to-do-after-a-crash-that-was-not-your-fault) * [How long after car accident can you claim injury?How long after car accident can you claim injury? Three clocks apply: insurer notice, the lawsuit deadline and government notice. Real state rules, cited.](https://mywreckcheck.com/motor-vehicle-accident/how-long-after-car-accident-can-you-claim-injury) * [How to tell who is at fault in a car accidentHow to tell who is at fault in a car accident: who decides, what evidence counts, and how shared fault changes recovery in Texas and Florida.](https://mywreckcheck.com/motor-vehicle-accident/how-to-tell-who-is-at-fault-in-a-car-accident) * [I was a passenger in a car accident, who do I sue?I was a passenger in a car accident, who do I sue? Usually you claim on insurance first. Which policy pays, in what order, and when a lawsuit comes in.](https://mywreckcheck.com/motor-vehicle-accident/i-was-a-passenger-in-a-car-accident-who-do-i-sue) ## Add this tool to your site Free to embed. No sign-up, and nothing your readers enter is sent to us.