States Claims Health Automobile State Codes and Statutes

Processing Insurance Insurance
Timeline in – Requirement
General and for Medicaid
Life Insurance Expansion
Alabama Life: per the Has not 25/50/25 Title 27; 27-15-13; 482-1-124; 482-1-
policy, but not adopted 125.07; 32-7A-4; 32-7-6
more than two Medicaid
months to expansion
approve, deny,
begin
investigation
Property: 30
days
Alaska Generally: 30 Has 50/100/25 §26.050; 21-45-130; 28-22-101; 28-
days adopted (certain areas 22-011
Life: per the Medicaid exempt)
policy, but not expansion
more than two
months
Arizona Generally: 30 Has 15/30/10 (or §20-462; 20-1215; 28-4009; 28-4011; 
days adopted self-insure 28-4084
Life: per the Medicaid with bond of
policy, but not expansion $40,000)
more than two
months
Arkansas Generally: 15 Has 25/50/25 §43-9; 23-81-113; 27-22-104
days adopted
Life: per the Medicaid
policy, but not expansion
more than two
months
California Generally: 40 Has 15/30/5 (low 2695.7; 10172.5; 16430 et
days adopted income may seq.; 16451; 16056.1; 11629.7 et
Life: 30 days Medicaid qualify for seq.
expansion 10/20/3); or
self-insure
with bond of
$35,000
Colorado Generally and Has 25/50/15 10-3-1115; 10-7-112(3); 10-4-619 et
Life: No adopted seq.; 42-7-103
unreasonable Medicaid
denials or delays expansion
Connecticut Generally: No Has 20/40/10; 38a-816; 38a-334; 14-112
unreasonable adopted UM, UIM also
denials or delays Medicaid required
expansion
Delaware Generally: No Has 15/30/10; PIP §18-2304; 18-2914; 21-2118
unreasonable adopted also required
denials or delays Medicaid
Life: per the expansion
policy, but not
more than two
months
District of Generally: No Has 25/50/10; 31-2231.17; 31-4703(11); 31-2406
Columbia unreasonable adopted UM also
 denials or delays Medicaid required
Life: Upon proof expansion
of death
Florida Generally: 30 Has not 10/20/10 (or §626-9541; 627-461; 324-021; 324-
days adopted self-insure); 171
Life: Upon proof Medicaid only property
of loss expansion liability and
PIP required
Georgia Generally: No Has not 25/50/25 33-6-34; 33-25-3; 40-9-80; 33-7-11
unreasonable adopted
denials or delays Medicaid
Life: per the expansion
policy, but not
more than two
months
Hawaii Generally: No Has 20/40/10; PIP 431-13-103; 431-10-243; 431-10C-
unreasonable adopted also required 301 et seq.
denials or delays Medicaid
Life: 30 days expansion
(and then
interest begins
accruing)
Idaho Generally: No Has not 25/50/15 41-1329; 41-1328; 41-1913; 49-1229; 
unreasonable adopted 49-117
denials or delays Medicaid
Auto: 20 days expansion
Life: per the
policy, but not
more than two
months
Illinois Generally: No Has 25/50/20; 215-5-154.6; 215-5-229(k); 625-5-7-
unreasonable adopted UM, UIM also 601; 625-5-7-203; 215-5-143a
denials or delays Medicaid required
Life: per the expansion
policy, but not
more than two
months
Indiana Generally: No Has 25/50/25 27-4-1-4.5; 27-1-12-5; 9-25-4-1 et
unreasonable adopted effective seq.; 9-25-4-5
denials or delays Medicaid 7/1/2017
Life: per the expansion
policy, but not
more than two
months
Iowa Generally: No Has 20/40/15 507B-4; 511-38; 321A-1
unreasonable adopted
denials or delays Medicaid
Life: 30 days expansion
(and then
interest begins
accruing)
Kansas Generally: No Has not 25/50/10; PIP 40-2404; 40-2203(A)(8); 40-3104; 40-
unreasonable adopted also required 3107
denials or delays Medicaid
Life: Upon proof expansion
of loss
Kentucky Generally: 30 Has 25/50/10 304.12-235; 304.39-010; 186a.065; 3
days adopted (25/50/25 04.39-080; 304.39-110; 304.39-020
Medicaid effective
expansion 1/1/2018);
PIP also
required
Louisiana Generally: 30 Has 15/30/25 22-1892; 22-1811; 32-861; 32-900
days adopted
Life: 60 days Medicaid
expansion
Maine Generally: 30 Has not 50/100/25 24A-2436; 24A-2513; 29-1601; 29-
days adopted (plus $2,000 1605; 24A-2902
Life: per the Medicaid for medical
policy, but not expansion payments);
more than two UM also
months required
Maryland Generally: No Has 30/60/15; 27-303 et seq.; 17-103; 19-505
unreasonable adopted PIP, UM, UIM
denials or delays Medicaid also required
expansion
Massachusetts Auto (fire, theft, Has 20/40/5; PIP, 175-113O; 175-28; 176D-3; 90-34A; 
comprehensive): adopted UM also 90-34O; 90-34M; 175-113L
seven days Medicaid required
Generally: No expansion
unreasonable or
unfair delays
Michigan Generally: 60 Has 20/40/10; PIP 500-2006; 500-4030; 500-3101; 500-
days adopted also required 3009
Life: per the Medicaid
policy, but not expansion
more than two
months
Minnesota Generally: 30-60 Has 30/60/10; 72A-201(4); 61A-011; 65B-06; 65B-
days adopted PIP, UM, UIM 48; 65B-49
Life: 60 days Medicaid also required
expansion
Mississippi Accident & Has not 25/50/25 83-9-5; 83-7-6; 63-15-4; 63-15-3j; 63-
Health: 25-35 adopted 15-43
days Medicaid
Life: upon death expansion
of insured
Missouri Generally: No Has not 25/50/10 375-1007; 303-025; 303-020
unreasonable adopted
delays Medicaid
expansion
Montana Generally: 30 Has 25/50/20; 33-18-232; 33-20-114; 61-6-301; 61-
days adopted UM also 6-103
Life: 60 days Medicaid required
expansion
Nebraska Generally: No Has not 25/50/25; 44-1540; 44-3-143; 60-528; 60-534; 
unreasonable adopted UM, UIM also 60-501(13)
delays Medicaid required
Life: 30 days expansion
Nevada Generally: No Has 15/30/10 686A-310; 686A-300; 688A-140; 485-
unreasonable adopted 185
delays Medicaid
 Auto: 30 days expansion
Life: per the
policy, but not
more than two
months
New Generally: 30 Has Auto 1001.02; 408-10a; 264-20; 264-16
Hampshire days adopted insurance not
Life: 30 days Medicaid required if
expansion prove
financial
responsibility;
25/50/25 if
insurance is
purchased
(plus $1,000
for medical
payments)
New Jersey Generally: No Has Standard 17B-30-13.1; 17B-25-11; 39-6A-3; 39
unreasonable adopted policy: -6A-3.1 et seq.
delays Medicaid 15/30/5
Life: 60 days expansion Basic policy:
$5,000 for
property
damage;
PIP, UM, UIM
also required
New Mexico Generally: 45 Has 25/50/10 59A-16-21; 59A-20-14; 66-5-205; 66-
days adopted 5-208
Life: per the Medicaid
policy, but not expansion
more than two
months
New York Generally: No Has 25/50/10; 2601; 311 et seq.; 341; 345; 3420(f)
unreasonable or adopted PIP, UM also (1)
unfair delays Medicaid required
expansion
North Carolina Generally: No Has not 30/60/25; 58-58-110; 58-63-15; 20-309; 20-
unreasonable adopted UM, UIM also 279-21
delays Medicaid required
Life: 30 days expansion
North Dakota Generally: No Has 25/50/25; 26.1-04-03; 26.1-33-05(9); 39-16.1-
unreasonable adopted PIP, UM, UIM 09; 39-16.1-11
delays Medicaid also required
expansion
Ohio Generally: As Has 25/50/25 3918.10; 3915-05(K); 4509.101; 4509
soon as possible adopted .01(K); 4509.51
Life: per the Medicaid
policy, but not expansion
more than two
months
Oklahoma Generally: Has not 25/50/25 36-1250.5; 36-1250.7; 36-4013; 47-
Prompt, fair adopted 7-601; 47-7-324
settlements Medicaid
Property: 60 expansion
days
Life: per the
 policy, but not
more than two
months
Oregon Generally: No Has 25/50/20; 746.230; 743.192; 806.010; 806.080;
unreasonable adopted PIP, UM, UIM 806.070; 742.450; 742.520; 742.502
delays; Medicaid also required
Life: 30 days expansion
Pennsylvania Generally: No Has 15/30/5; PIP 40-1171.5; 146.7; 40-753(8); 75-
unreasonable adopted also required 1702
denials or Medicaid
delays; 15 days expansion
Life: Upon proof
of loss
Rhode Island Generally: No Has 25/50/25 (or 27-9.1-4; 27-4-26; 31-32-2; 31-32-24
unreasonable adopted single limit
denials or delays Medicaid policy of
Life: Upon proof expansion $75,000)
of loss
South Carolina Generally: No Has not 25/50/25; 38-59-20; 38-63-220; 56-10-10 et
unreasonable adopted UM also seq.; 38-77-140; 38-77-150
denials or delays Medicaid required
Life: 30 days expansion
South Dakota Generally: No Has not 25/50/25; 58-12-34; 58-15-26; 32-35-70; 58-11-
unreasonable adopted UM, UIM also 9
denials or delays Medicaid required
Life: per the expansion
policy, but not
more than two
months
Tennessee Generally: No Has not 25/50/15 (or 56-8-105; 56-7-2307(11); 55-12-
unreasonable adopted single limit 102(12); 56-7-1201
denials or delays Medicaid policy of
Life: per the expansion $60,000)
policy, but not
more than two
months
Texas Generally: 15 Has not 30/60/25 542-056; 542-058; 1101-011; 601-
days adopted 015; 601-071; 601-072
Life: per the Medicaid
policy, but not expansion
more than two
months
Utah Generally: In a Has not 25/65/15 (or 31a-26-301; R590-191-4 et seq.; 31a-
timely manner; adopted single limit 22-302; 41-12a-301; 31a-22-304; 31a
Life: 45 days Medicaid policy of -22-307
expansion $80,000); PIP
also required
Vermont Generally: 30 Has 25/50/10; 8-3665; 8-3732: 23-800; 23-941
days adopted UM, UIM also
Life: per the Medicaid required
policy, but not expansion
more than two
months
Virginia Generally: No Has not 25/50/20; 38.2-510; 46.2-472; 38.2-2206
unreasonable or adopted UM, UIM also
arbitrary denials Medicaid required
 or delays expansion
Washington Generally: No Has 25/50/10 48-23-130; 48-30-015; 46-30-010 et
unreasonable adopted seq.; 46-29-090
denials or delays Medicaid
Life: Upon proof expansion
of loss
West Virginia Generally: No Has 25/50/25; 33-11-4(9); 33-13-14; 17D-2A-3 et
unreasonable adopted UM also seq.; 17D-4-2; 33-6-31
denials or delays Medicaid required
Life: per the expansion
policy, but not
more than two
months
Wisconsin Generally: 30 Has not 25/50/10; 628.46; 344.62; 632.32; 344.33
days adopted UM also
Medicaid required
expansion
Wyoming Generally: No Has not 25/50/20 26-13-124; 26-16-112; 26-15-124; 31
unreasonable adopted -4-103; 31-9-405
denials or delays Medicaid
Property: 45 expansion
days
Life: 45 days