Appendix A-4 Financial Responsibility & Compulsory Ins. Law 11. Policyholders can decline to purchase uninsured coverage if he or she chooses to buy only the minimum limits of bodily injury and property damage liability coverage. 12. Minimum coverage requirements will increase to 30/60/25 on January 1, 2011. Source: Property Casualty Insurers Association of America; state departments of insurance and motor vehicles. A:30