State car accident law doesn't hold still. In the course of verifying all 50 states against their statutes, we found eight genuine, dated changes worth knowing about — from a total overhaul of New York's fault rule to quiet insurance-minimum increases most people won't hear about until they're in a claim. Here's every one we've confirmed, most recent first.
Governor Hochul signed Bill A10008 on May 27, 2026, moving New York auto cases from pure comparative fault to a new modified comparative rule, removing the old 90/180-day "serious injury" category, and adding a $100,000 cap for certain at-fault plaintiffs with criminal convictions related to the crash. It applies to actions commenced on or after May 26, 2026.
Legal commentary has flagged the statutory language as ambiguous. We're holding our New York page until case law clarifies exactly how courts are applying it, rather than publish a rule that might already be wrong in practice.
Page held pending case lawLouisiana's filing deadline doubled from one year to two for accidents on or after July 1, 2024. Then, effective January 1, 2026, the state moved from pure comparative fault to a modified rule with a 51% bar (Act 15, amending Civil Code Art. 2323).
Which version applies to a given claim depends entirely on the accident date — pre-2026 accidents likely still fall under the old, no-cutoff fault rule.
Read the full Louisiana page →A 2025 law (Okla. Stat. tit. 23, §61.3) created a $500,000 cap on non-economic damages applying broadly to personal injury claims — not the narrower medical-malpractice-only caps most states use.
Anything written about Oklahoma damages before 2025 likely predates this and should be treated as outdated.
Read the full Oklahoma page →Minimum liability coverage rose from 20/40/10 to 40/80/20, effective January 1, 2026 (HRS §431:10C-301, SB2342 CD1).
Confirmed by three independent sources agreeing on both the figures and the effective date.
Read the full Hawaii page →Effective January 1, 2026, Standard Policy liability minimums rose to $35,000 per person / $70,000 per accident, up from the prior, lower limits.
Read the full New Jersey page →Minimum liability coverage rose from 30/60/25 to 50/100/50, effective in 2025.
Sources conflict slightly on the exact effective date within 2025 (July 1 vs. October 1) — we've published without over-specifying rather than guess.
Read the full North Carolina page →Minimum liability coverage rose to 50/100/25, effective January 1, 2025.
Read the full Virginia page →Minimum liability coverage rose to 30/65/25, effective January 1, 2025.
Read the full Utah page →How we track this
Every state page on The Accident Advisory carries a "last verified" date and cites the actual statute or bill, not a secondhand summary. We recheck live pages on a quarterly cycle, and immediately whenever we learn of relevant legislation — this page is where those changes get logged as we confirm them.
Common questions
How often is this page updated?
Why is New York not included with a state page yet?
Where do these updates come from?
Sources
- N.Y. Bill A10008 (signed 27 May 2026) — auto fault-rule amendments.
- La. Civ. Code art. 2323, as amended by Act 15 (eff. 1 Jan 2026); art. 3493.1, as amended by Act 423 (eff. 1 Jul 2024).
- Okla. Stat. tit. 23, §61.3 (enacted 2025).
- Haw. Rev. Stat. §431:10C-301, as amended by SB2342 CD1 (eff. 1 Jan 2026).
- N.J. Dept. of Banking and Insurance — 2026 minimum liability limit update.
- N.C. SB 452 (2025) — minimum liability insurance increase.
- Va. Code §46.2-472, as amended (eff. 1 Jan 2025).
- Utah Code §31A-22-304, as amended (eff. 1 Jan 2025).