Markets
Every state.Its own rules.
Nationwide coverage, with screening scripts adjusted for each state's insurance system, fault rules and filing deadlines.
Updated
| State | Insurance system | Fault rule | Typical PI deadline |
|---|---|---|---|
| California | At-fault (tort) | Pure comparative negligence | 2 years |
| Texas | At-fault (tort) | Modified comparative (barred above 50% fault) | 2 years |
| Florida | No-fault (PIP) | Modified comparative (barred above 50% fault) | 2 years (negligence claims arising after March 24, 2023) |
| New York | No-fault (PIP) | Pure comparative negligence | 3 years |
| Georgia | At-fault (tort) | Modified comparative (barred at 50% fault or more) | 2 years |
| Illinois | At-fault (tort) | Modified comparative (barred above 50% fault) | 2 years |
| Pennsylvania | Choice no-fault | Modified comparative (barred above 50% fault) | 2 years |
| New Jersey | Choice no-fault | Modified comparative (barred above 50% fault) | 2 years |
| Arizona | At-fault (tort) | Pure comparative negligence | 2 years |
| Nevada | At-fault (tort) | Modified comparative (barred above 50% fault) | 2 years |
| North Carolina | At-fault (tort) | Pure contributory negligence (any fault can bar recovery) | 3 years |
| Michigan | No-fault (PIP) | Modified comparative (non-economic damages barred above 50% fault) | 3 years |
| Ohio | At-fault (tort) | Modified comparative (barred above 50% fault) | 2 years |
| Colorado | At-fault (tort) | Modified comparative (barred at 50% fault or more) | 3 years (motor vehicle claims) |
| Washington | At-fault (tort) | Pure comparative negligence | 3 years |
| Tennessee | At-fault (tort) | Modified comparative (barred at 50% fault or more) | 1 year |
| Virginia | At-fault (tort) | Pure contributory negligence (any fault can bar recovery) | 2 years |
| Maryland | At-fault (tort) | Pure contributory negligence (any fault can bar recovery) | 3 years |
| South Carolina | At-fault (tort) | Modified comparative (barred above 50% fault) | 3 years |
| Missouri | At-fault (tort) | Pure comparative negligence | 5 years |
| Massachusetts | No-fault (PIP) | Modified comparative (barred above 50% fault) | 3 years |
| Indiana | At-fault (tort) | Modified comparative (barred above 50% fault) | 2 years |
| Alabama | At-fault (tort) | Pure contributory negligence (any fault can bar recovery) | 2 years |
| Oregon | At-fault (tort) | Modified comparative (barred above 50% fault) | 2 years |
| Oklahoma | At-fault (tort) | Modified comparative (barred above 50% fault) | 2 years |
| Connecticut | At-fault (tort) | Modified comparative (barred above 50% fault) | 2 years |
| Wisconsin | At-fault (tort) | Modified comparative (barred above 50% fault) | 3 years |
| Kentucky | Choice no-fault | Pure comparative negligence | 2 years (motor vehicle claims; timing can run from the last PIP payment) |
General information for campaign planning, last reviewed September 2026. Not legal advice — laws change; confirm with counsel.
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