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. | Injury · Comp |
| Ohio | Modified comparative, 51% bar | 2 years | 25/50/25 | Injury · Comp |
| Georgia | Modified comparative, 50% bar | 2 years | 25/50/25 | Injury · Comp |
| North Carolina | Contributory negligence, any fault can bar recovery | 3 years | 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 | 25/50/15 | Injury · Comp |
| California | Pure comparative negligence | 2 years | 30/60/15 | Injury · Comp |
| New York | Pure comparative negligence | 3 years | 25/50 | Injury · Comp |
| Illinois | Modified comparative, 51% bar | 2 years | 25/50/20 | Injury · Comp |
| Michigan | Modified comparative, 51% bar (non-economic only) | 3 years | 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 | 35/70/25 | Injury · Comp |
| Washington | Pure comparative negligence | 3 years | 25/50/10 | Injury · Comp |
| Arizona | Pure comparative fault | 2 years | 25/50/15 | Injury · Comp |
| Tennessee | Modified comparative, 50% bar | 1 year | 25/50/25 | Injury · Comp |
| Missouri | Pure comparative fault | 5 years | 25/50/25 | Injury · Comp |
| Wisconsin | Modified comparative, 51% bar | 3 years | 25/50/10 | 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, and the dedicated pages add cited statutes, caps, and comp rates.