410.6-2

AUTO UNINSURED AND UNDERINSURED COVERAGE REQUIREMENTS

(September, 2007)

Uninsured Motorists (UM) coverage compensates an insured for bodily injury suffered in an accident. The injury must be caused by a driver operating an uninsured vehicle. This coverage is subject to stated limits. Minimum basic limits of liability for UM coverage appear in the financial responsibility law of the state where the motor vehicle is registered. Higher limits of UM coverage may be requested. Another option for drivers desiring adequate protection is Underinsured Motorists (UIM) coverage. This compensates an insured for bodily injury caused by a driver who carries minimum or very low limits of insurance.

This protection is available in all personal automobile liability policies and is mandatory in many states. While UM coverage must be offered in connection with auto liability insurance, in some states, the insured has the right to reject the coverage. In those states that permit drivers to reject coverage, the choice is made via different methods (such as having to reject the coverage in writing). The protection is modified in some states according to legislative requirements, notably in those states with "no-fault" or auto reparation systems.

What follows is a brief recap of which states offer or require uninsured motorists coverage and the minimum limits that must be offered.

Note: This is merely intended as a general reference. Please be sure to verify what applies in a particular state rather than strictly relying on what appears below.

State: ALABAMA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: ALASKA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 50/100/25

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: ARIZONA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: May equal Auto Liability Limit, but not less than 15/30/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: ARKANSAS

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/25

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: CALIFORNIA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 15/30/5

The Insured has the Option to Reject Coverage: Yes, in writing on required form

Underinsured Motorists Coverage is Available: Yes

State: COLORADO

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/15

The Insured has the Option to Reject Coverage: Yes, in writing

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: CONNECTICUT

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: DELAWARE

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 15/30/5

The Insured has the Option to Reject Coverage: Yes, in writing

Underinsured Motorists Coverage is Available: Yes, as optional

State: DISTRICT OF COLUMBIA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: FLORIDA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: Coverage must not be less than the bodily injury and property damage limits

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: GEORGIA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/25

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: HAWAII

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/10

The Insured has the Option to Reject Coverage: Yes, in writing

Underinsured Motorists Coverage is Available: Yes

State: IDAHO

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/15

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: No

State: ILLINOIS

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/15

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: INDIANA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: Allows at least equal to the Bodily

Injury or Property Damage Liability Limit but at least 25/50/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes, limit cannot be less than $50,000

State: IOWA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/15

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: KANSAS

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: KENTUCKY

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/5010

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: LOUISIANA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: Either at 10/20/10 or the value of the auto

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: MAINE

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 50/100/25

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: MARYLAND

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/15

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: MASSACHUSETTS

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/5

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: MICHIGAN

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: No Provision

The Insured has the Option to Reject Coverage: No Provision

Underinsured Motorists Coverage is Available: No Provision

State: MINNESOTA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: MISSISSIPPI

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/25

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: MISSOURI

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: No—for personal lines and non-fleet; Yes—for commercial and fleet

Underinsured Motorists Coverage is Available: No Provision

State: MONTANA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: No

State: NEBRASKA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/25

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: NEVADA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 15/30/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: NEW HAMPSHIRE

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/25

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Not addressed.

State: NEW JERSEY

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 15/30/5

The Insured has the Option to Reject Coverage: No; it is required for Standard Policy; not available for Basic Policy

Underinsured Motorists Coverage is Available: Yes

State: NEW MEXICO

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: NEW YORK

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: NORTH CAROLINA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 30/60/25

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: NORTH DAKOTA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/25

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: OHIO

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 12.5/25/7.5

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: OKLAHOMA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 10/20/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: OREGON

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: PENNSYLVANIA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 15/30/15; must make available limits up to 100/300/50

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: PUERTO RICO

State Requires That Uninsured Motorists Coverage be Offered: No provision

State Requires Minimum Limits of: No provision

The Insured has the Option to Reject Coverage: No provision

Underinsured Motorists Coverage is Available: No provision

State: RHODE ISLAND

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/25

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: SOUTH CAROLINA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 15/30/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: SOUTH DAKOTA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/25

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: TENNESSEE

State Requires That Uninsured Motorists Coverage be Offered: No

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: TEXAS

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/15

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: UTAH

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/15

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: VERMONT

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 50/100/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Included as part of Uninsured Coverage

State: VIRGIN ISLANDS

State Requires That Uninsured Motorists Coverage be Offered: No provision

State Requires Minimum Limits of: No provision

The Insured has the Option to Reject Coverage: No provision

Underinsured Motorists Coverage is Available: No provision

State: VIRGINIA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/20

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: WASHINGTON

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Yes

State: WEST VIRGINIA

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 20/40/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: WISCONSIN

State Requires That Uninsured Motorists Coverage be Offered: No

State Requires Minimum Limits of: 25/50/10

The Insured has the Option to Reject Coverage: No

Underinsured Motorists Coverage is Available: Yes

State: WYOMING

State Requires That Uninsured Motorists Coverage be Offered: Yes

State Requires Minimum Limits of: 25/50/20

The Insured has the Option to Reject Coverage: Yes

Underinsured Motorists Coverage is Available: Not addressed