Check your claim — free

Accident claim rules, state by state

The same crash is a different claim in every state. Filing deadlines run from 1 years, fault rules decide whether partial blame costs you a percentage or everything, and 12 of the states below make your own policy pay first.

Estimate my claim — free Browse accident types

Miss your state's deadline and the claim is worth exactly zero.

Full claim guide availableGuide coming soon

Every state we cover

Deadline, fault rule, and no-fault status at a glance — open a guide for coverage minimums, local quirks, and settlement ranges adjusted to that state.

Alabama skyline

Alabama

Deadline: 2 years
Fault rule: Contributory negligence
No-fault: No

Alaska skyline

Alaska

Deadline: 2 years
Fault rule: Pure comparative negligence
No-fault: No

Arizona skyline

Arizona

Deadline: 2 years
Fault rule: Pure comparative negligence
No-fault: No

Arkansas skyline

Arkansas

Deadline: 3 years
Fault rule: Modified comparative (50% bar)
No-fault: No

California skyline

California

Deadline: 2 years
Fault rule: Pure comparative negligence
No-fault: No

Colorado skyline

Colorado

Deadline: 3 years
Fault rule: Modified comparative (50% bar)
No-fault: No

Connecticut skyline

Connecticut

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Delaware skyline

Delaware

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

District of Columbia skyline

District of Columbia

Deadline: 3 years
Fault rule: Contributory negligence
No-fault: No

Florida skyline

Florida

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: Yes

Georgia skyline

Georgia

Deadline: 2 years
Fault rule: Modified comparative (50% bar)
No-fault: No

Hawaii skyline

Hawaii

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: Yes

Idaho skyline

Idaho

Deadline: 2 years
Fault rule: Modified comparative (50% bar)
No-fault: No

Illinois skyline

Illinois

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Indiana skyline

Indiana

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Iowa skyline

Iowa

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Kansas skyline

Kansas

Deadline: 2 years
Fault rule: Modified comparative (50% bar)
No-fault: Yes

Kentucky skyline

Kentucky

Deadline: 2 years
Fault rule: Pure comparative negligence
No-fault: Yes

Louisiana skyline

Louisiana

Deadline: 2 years
Fault rule: Pure comparative negligence
No-fault: No

Maine skyline

Maine

Deadline: 6 years
Fault rule: Modified comparative (50% bar)
No-fault: No

Maryland skyline

Maryland

Deadline: 3 years
Fault rule: Contributory negligence
No-fault: No

Massachusetts skyline

Massachusetts

Deadline: 3 years
Fault rule: Modified comparative (51% bar)
No-fault: Yes

Michigan skyline

Michigan

Deadline: 3 years
Fault rule: Modified comparative (51% bar)
No-fault: Yes

Minnesota skyline

Minnesota

Deadline: 6 years
Fault rule: Modified comparative (51% bar)
No-fault: Yes

Mississippi skyline

Mississippi

Deadline: 3 years
Fault rule: Pure comparative negligence
No-fault: No

Missouri skyline

Missouri

Deadline: 5 years
Fault rule: Pure comparative negligence
No-fault: No

Montana skyline

Montana

Deadline: 3 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Nebraska skyline

Nebraska

Deadline: 4 years
Fault rule: Modified comparative (50% bar)
No-fault: No

Nevada skyline

Nevada

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

New Hampshire skyline

New Hampshire

Deadline: 3 years
Fault rule: Modified comparative (51% bar)
No-fault: No

New Jersey skyline

New Jersey

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: Yes

New Mexico skyline

New Mexico

Deadline: 3 years
Fault rule: Pure comparative negligence
No-fault: No

New York skyline

New York

Deadline: 3 years
Fault rule: Pure comparative negligence
No-fault: Yes

North Carolina skyline

North Carolina

Deadline: 3 years
Fault rule: Contributory negligence
No-fault: No

North Dakota skyline

North Dakota

Deadline: 6 years
Fault rule: Modified comparative (50% bar)
No-fault: Yes

Ohio skyline

Ohio

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Oklahoma skyline

Oklahoma

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Oregon skyline

Oregon

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Pennsylvania skyline

Pennsylvania

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: Yes

Rhode Island skyline

Rhode Island

Deadline: 3 years
Fault rule: Pure comparative negligence
No-fault: No

South Carolina skyline

South Carolina

Deadline: 3 years
Fault rule: Modified comparative (51% bar)
No-fault: No

South Dakota skyline

South Dakota

Deadline: 3 years
Fault rule: Slight/gross negligence
No-fault: No

Tennessee skyline

Tennessee

Deadline: 1 years
Fault rule: Modified comparative (50% bar)
No-fault: No

Texas skyline

Texas

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Utah skyline

Utah

Deadline: 4 years
Fault rule: Modified comparative (50% bar)
No-fault: Yes

Vermont skyline

Vermont

Deadline: 3 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Virginia skyline

Virginia

Deadline: 2 years
Fault rule: Contributory negligence
No-fault: No

Washington skyline

Washington

Deadline: 3 years
Fault rule: Pure comparative negligence
No-fault: No

West Virginia skyline

West Virginia

Deadline: 2 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Wisconsin skyline

Wisconsin

Deadline: 3 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Wyoming skyline

Wyoming

Deadline: 4 years
Fault rule: Modified comparative (51% bar)
No-fault: No

Your accident, in your state

Each accident type has a dedicated page for every state we cover, with the deadline, fault rule, and a regionally adjusted range.

Motorcycle Accident

Pedestrian Accident

Bicycle Accident

Rideshare Accident

See all 14 accident types

What is your claim worth in your state?

Fault rules and insurance minimums move the number. Answer six questions and see a range built for where the crash happened.

Estimated range

0/6 answered

Case type

What kind of accident was it?

Motor vehicle

Premises

Workplace

Medical

Product

Injury

What was your most serious injury?

Treatment

What treatment have you needed?

Fault

Whose fault was the accident?

Work missed

How much work have you missed?

State

Which state did it happen in?