The same injury is worth different amounts in different states — fault bars, filing deadlines, damage caps, and comp schedules all change the math. Every rule below links to its statute, and every state page applies its rules live in the calculator.
| State | Fault rule | Filing deadline | Min. auto liability | Pages |
|---|---|---|---|---|
| Texas | Modified comparative — 51% bar | 2 years | 30/60/25 | Injury · Comp |
| Florida | Modified comparative — 51% bar (since March 2023) | 2 years | $10,000 property damage + $10,000 PIP. Bodily-injury liability is not required for most drivers | Injury · Comp |
| Ohio | Modified comparative — 51% bar | 2 years for bodily injury | 25/50/25 | Injury · Comp |
| Georgia | Modified comparative — 50% bar | 2 years for injuries to the person | 25/50/25 | Injury · Comp |
| North Carolina | Contributory negligence — any fault can bar recovery | 3 years for personal injury | 50/100/50 | Injury · Comp |
| Pennsylvania | Modified comparative — 51% bar | 2 years | 15/30/5 | Injury · Comp |
| Indiana | Modified comparative — 51% bar | 2 years | 25/50/25 | Injury · Comp |
| Oklahoma | Modified comparative — 51% bar | 2 years | 25/50/25 | Injury · Comp |
| Iowa | Modified comparative — 51% bar | 2 years | 20/40/15 | Injury · Comp |
| Colorado | Modified comparative — 50% bar | 3 years for motor-vehicle claims; 2 years for other injury claims | 25/50/15 | Injury · Comp |
| California | Pure comparative negligence | 2 years for personal injury | 30/60/15 | Injury · Comp |
| New York | Pure comparative negligence | 3 years for personal injury | 25/50 bodily injury ($50/100 for death) and $10,000 property damage. | Injury · Comp |
| Illinois | Modified comparative — 51% bar | 2 years for personal injury | 25/50/20 | Injury · Comp |
| Michigan | Modified comparative — 51% bar (non-economic only) | 3 years for personal injury | Bodily injury defaults to 250/500 with a signed opt-down floor of 50/100 | Injury · Comp |
| New Jersey | Modified comparative — 51% bar | 2 years for personal injury | 35/70/25 | Injury · Comp |
More states are added on a rolling basis, each verified against primary sources before it ships. States not listed yet still work in the main calculator — the fault rule is applied from our 51-jurisdiction rules table; the dedicated pages add cited statutes, caps, and comp rates.