State-by-State Accident & Insurance Rules
Fault systems, filing deadlines, minimum auto insurance, and workers' compensation basics differ by state. Each page below is compiled from official state statutes and agencies — never copied from other websites.
Direct answer
State law changes the arithmetic in four places: how fault is shared, how long you have to file, how much liability coverage the other driver must carry, and how workers' compensation benefits are set. Each state page below cites its own statute or agency and links to the calculators that apply it.
Covered States
California: Accident, Insurance & Workers' Comp Rules
Pure comparative fault, 2-year deadline, 30/60/15 minimums (2025), at-fault auto system, two-thirds comp wage rate.
Florida: Accident, Insurance & Workers' Comp Rules
51% fault bar since 2023, 2-year deadline, no-fault PIP ($10k), 10/20/10 minimums, two-thirds comp wage rate.
New York: Accident, Insurance & Workers' Comp Rules
Pure comparative fault, 3-year deadline, no-fault PIP ($50k), 25/50/10 minimums, two-thirds comp wage rate.
Texas: Accident, Insurance & Workers' Comp Rules
51% fault bar, 2-year deadline, 30/60/25 minimums, at-fault auto system, and the workers' comp opt-out.