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A Citizen’s Guide to Auto Insurance and Crash Law

VictimsGuide · National State Law Library

Auto Insurance & Crash Law by Jurisdiction

Start with the law that governs the event. Then move through the jurisdiction library to identify coverage, preserve proof, understand deadlines, and trace each issue to current primary authority.

Choose a state Browse regionsAll 56 jurisdictions
56jurisdictions
1,297published guides
7research regions

Choose the governing jurisdiction

Select a state from the national map

The map opens the permanent state-law hub. Washington, D.C. and the U.S. territories appear in the complete jurisdiction directory below.

Interactive United States State Law Library map Select any state shape to open that state’s VictimsGuide auto insurance and crash law library. Colors correspond to the six state research regions. Washington, D.C. and U.S. territories are available in the directory below the map. Alaska state law library Alabama state law library Arkansas state law library Arizona state law library California state law library Colorado state law library Florida state law library Georgia state law library Hawaii state law library Iowa state law library Idaho state law library Illinois state law library Indiana state law library Kansas state law library Kentucky state law library Louisiana state law library Maine state law library Michigan state law library Minnesota state law library Missouri state law library Mississippi state law library Montana state law library North Carolina state law library North Dakota state law library Nebraska state law library New Mexico state law library Nevada state law library New York state law library Ohio state law library Oklahoma state law library Oregon state law library Pennsylvania state law library South Carolina state law library South Dakota state law library Tennessee state law library Texas state law library Utah state law library Virginia state law library Washington state law library Wisconsin state law library West Virginia state law library Wyoming state law library Vermont state law library VT New Hampshire state law library NH Massachusetts state law library MA Rhode Island state law library RI Connecticut state law library CT New Jersey state law library NJ Delaware state law library DE Maryland state law library MD

Map source: State geometry adapted for VictimsGuide from Matplotlib Basemap U.S. geographic data. Basemap code is MIT-licensed; geographic data retain their applicable upstream licenses. VictimsGuide created the interactive SVG, regional groupings, labels, links, and styling.

Regional research layer

Seven regional law libraries

Use a regional library to compare recurring questions across jurisdictions. The governing rule still comes from the applicable state, district or territorial law.

16 states

Western States

West, Pacific, Mountain states, Alaska, Hawaii and three Great Plains jurisdictions.

Open regional library

9 states

Midwest & Great Lakes

Midwest and Great Lakes jurisdictions with shared research architecture and distinct state law.

Open regional library

8 states

South Central & Gulf

South Central and Gulf Coast jurisdictions organized around recurring insurance and crash-law questions.

Open regional library

8 states

Southeast & South Atlantic

Southeast, Atlantic and Appalachian jurisdictions with state-specific statutes, cases and procedures.

Open regional library

3 states

Mid-Atlantic

New Jersey, New York and Pennsylvania, each with distinct insurance and tort structures.

Open regional library

6 jurisdictions

Federal District & U.S. Territories

Washington, D.C., Puerto Rico, U.S. Virgin Islands, Guam, CNMI and American Samoa.

Open regional library

Complete directory

All 56 jurisdictions

Open a jurisdiction directly. Every hub begins with Guide 01 and then the numbered issue guides for that jurisdiction.

Open Citizen’s Guides →
AlabamaAL AlaskaAK ArizonaAZ ArkansasAR CaliforniaCA ColoradoCO ConnecticutCT DelawareDE FloridaFL GeorgiaGA HawaiiHI IdahoID IllinoisIL IndianaIN IowaIA KansasKS KentuckyKY LouisianaLA MaineME MarylandMD MassachusettsMA MichiganMI MinnesotaMN MississippiMS MissouriMO MontanaMT NebraskaNE NevadaNV New HampshireNH New JerseyNJ New MexicoNM New YorkNY North CarolinaNC North DakotaND OhioOH OklahomaOK OregonOR PennsylvaniaPA Rhode IslandRI South CarolinaSC South DakotaSD TennesseeTN TexasTX UtahUT VermontVT VirginiaVA WashingtonWA West VirginiaWV WisconsinWI WyomingWY District of ColumbiaDC Puerto RicoPR U.S. Virgin IslandsVI GuamGU Northern Mariana Islands (CNMI)MP American SamoaAS

Research method

Use the library in the right order

VictimsGuide is the navigation and education layer. The controlling answer comes from the applicable statutes, regulations, policy language, official agency material and appellate authority.

  1. 1
    Choose the jurisdiction

    Start where the event occurred and identify any other jurisdiction that may materially affect the claim.

  2. 2
    Open Guide 01

    Use the Citizen’s Guide for the jurisdiction to build the claim map and locate the relevant numbered issue guides.

  3. 3
    Verify primary authority

    Check effective dates, amendments, current policy language, procedural rules and later case history before reliance.

Continue the research

From jurisdiction to practical guidance

Use the State Law Library for governing authority, Citizen’s Guides for practical issue navigation, and 20 Illusions for recurring assumptions that can distort claim decisions.

Citizen Roadmap Plain-English Glossary Citizen’s Guides 20 Illusions VictimsGuide Home

Public-interest legal education. VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.