Buy MVA and home improvement leads by state
Summit Leads supplies home improvement and MVA leads in all U.S. states. Buyers set filters down to the ZIP code, and leads are exclusive by default. The guides below explain the state rules that change how MVA filters are set, with Census housing data for home improvement buyers.
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State guides
Each row links to a full guide. Values come from state statutes, state insurance departments and the Census Bureau; each guide lists its sources.
| State | Auto insurance system | Injury claim deadline | Fault rule | Owner-occupied rate | Median year built |
|---|---|---|---|---|---|
| California leads | At-fault | Two years (Code Civ. Proc. 335.1) | Pure comparative fault; damages reduced by the plaintiff's percentage of responsibility | 55.9% (ACS 2020-2024) | 1976 (ACS 5-year 2020-2024) |
| Texas leads | At-fault | Two years (Civ. Prac. & Rem. Code 16.003) | No recovery if the claimant's responsibility is greater than 50 percent (Civ. Prac. & Rem. Code 33.001) | 62.6% (ACS 2020-2024) | 1992 (ACS 5-year 2020-2024) |
| Florida leads | No-fault | Two years for negligence (Fla. Stat. 95.11(5)(a)) | Modified: no recovery if greater than 50 percent at fault (Fla. Stat. 768.81(6)) | 67.6% (ACS 2020-2024) | 1988 (ACS 5-year 2020-2024) |
| New York leads | No-fault | Three years (CPLR 214(5)) | Motor vehicle (article 51) actions: barred if the claimant's fault is greater than the defendants'; other actions: pure comparative (CPLR 1411) | 54.3% (ACS 2020-2024) | 1959 (ACS 5-year 2020-2024) |
| Pennsylvania leads | Choice no-fault | Two years (42 Pa.C.S. 5524(2)) | Recovery barred if the plaintiff's negligence is greater than the defendants' (42 Pa.C.S. 7102(a)) | 69.3% (ACS 2020-2024) | 1965 (ACS 5-year 2020-2024) |
| Illinois leads | At-fault | Two years (735 ILCS 5/13-202) | Modified: barred if the plaintiff's fault is more than 50% of the proximate cause (735 ILCS 5/2-1116) | 67.1% (ACS 2020-2024) | 1971 (ACS 5-year 2020-2024) |
| Ohio leads | At-fault | Two years for bodily injury (R.C. 2305.10(A)) | Modified: no bar unless the plaintiff's fault is greater than the combined conduct of all other persons, parties or not (R.C. 2315.33) | 67.2% (ACS 2020-2024) | 1970 (ACS 5-year 2020-2024) |
| Georgia leads | At-fault | Two years (O.C.G.A. 9-3-33) | Modified: no damages if the plaintiff is 50 percent or more responsible (O.C.G.A. 51-12-33(g)) | 65.7% (ACS 2020-2024) | 1992 (ACS 5-year 2020-2024) |
| North Carolina leads | At-fault | Three years (G.S. 1-52; accrual in 1-52(16)) | Contributory negligence bars recovery for ordinary negligence; not a bar where gross negligence is alleged | 66.6% (ACS 2020-2024) | 1991 (ACS 5-year 2020-2024) |
| Michigan leads | No-fault | Three years (MCL 600.5805(2)) | No damages under 500.3135 for a party more than 50% at fault; no noneconomic damages if fault exceeds others' (MCL 600.2959) | 73.2% (ACS 2020-2024) | 1972 (ACS 5-year 2020-2024) |
| New Jersey leads | Choice no-fault | Two years (N.J.S.A. 2A:14-2(a)) | Modified: no recovery if the claimant's negligence is greater than the defendants' (N.J.S.A. 2A:15-5.1) | 63.8% (ACS 2020-2024) | 1970 (ACS 5-year 2020-2024) |
| Virginia leads | At-fault | Two years (Va. Code 8.01-243(A)) | Pure contributory negligence: any negligence of the plaintiff that proximately caused the accident bars recovery | 67.3% (ACS 2020-2024) | 1984 (ACS 5-year 2020-2024) |
| Washington leads | At-fault | Three years (RCW 4.16.080(2)) | Pure comparative fault: the claimant's fault reduces damages but does not bar recovery (RCW 4.22.005) | 63.8% (ACS 2020-2024) | 1985 (ACS 5-year 2020-2024) |
| Arizona leads | At-fault | Two years (A.R.S. 12-542) | Pure comparative fault: damages reduced by the claimant's share, claim not barred (A.R.S. 12-2505) | 67.4% (ACS 2020-2024) | 1992 (ACS 5-year 2020-2024) |
| Tennessee leads | At-fault | One year (Tenn. Code 28-3-104(a)(1)) | Modified: recovery only if the plaintiff's negligence is less than the defendant's (McIntyre v. Balentine, 1992) | 66.9% (ACS 2020-2024) | 1987 (ACS 5-year 2020-2024) |
| Massachusetts leads | No-fault | Three years for tort actions (G.L. c. 260, s. 2A) | Modified: no bar unless negligence is greater than the total of the defendants' negligence (G.L. c. 231, s. 85) | 62.5% (ACS 2020-2024) | 1964 (ACS 5-year 2020-2024) |
| Indiana leads | At-fault | Two years (Ind. Code 34-11-2-4) | Modified: barred if the claimant's fault is greater than the fault of all others who contributed (Ind. Code 34-51-2-6) | 70.6% (ACS 2020-2024) | 1976 (ACS 5-year 2020-2024) |
| Maryland leads | At-fault | Three years (Cts. & Jud. Proc. 5-101) | Contributory negligence retained (Coleman v. Soccer Ass'n of Columbia, 2013) | 67.6% (ACS 2020-2024) | 1979 (ACS 5-year 2020-2024) |
| Missouri leads | At-fault | Five years (RSMo 516.120(4)) | Pure comparative fault, adopted in Gustafson v. Benda (December 20, 1983) | 68.1% (ACS 2020-2024) | 1978 (ACS 5-year 2020-2024) |
| Wisconsin leads | At-fault | Three years, including motor vehicle accidents; two years for motor vehicle wrongful death (Wis. Stat. 893.54) | Modified: no bar unless negligence is greater than that of the person against whom recovery is sought (Wis. Stat. 895.045(1)) | 67.8% (ACS 2020-2024) | 1975 (ACS 5-year 2020-2024) |
| Colorado leads | At-fault | Three years for tort actions for bodily injury arising out of motor vehicle use (C.R.S. 13-80-101(1)(n)) | Modified: recovery only if the claimant's negligence was not as great as the defendant's (C.R.S. 13-21-111) | 66.2% (ACS 2020-2024) | 1988 (ACS 5-year 2020-2024) |
| Minnesota leads | No-fault | Six years for injury to the person not arising on contract (Minn. Stat. 541.05, subd. 1(5)) | Modified: no bar if the claimant's fault was not greater than the defendant's (Minn. Stat. 604.01, subd. 1) | 72.2% (ACS 2020-2024) | 1979 (ACS 5-year 2020-2024) |
| South Carolina leads | At-fault | Three years (S.C. Code 15-3-530(5)) | Modified: recovery if the plaintiff's negligence is not greater than the defendant's (Nelson v. Concrete Supply Co., 1991) | 71.9% (ACS 2020-2024) | 1992 (ACS 5-year 2020-2024) |
| Alabama leads | At-fault | Two years (Code of Alabama 6-2-38(l)) | Contributory negligence retained (Williams v. Delta International Machinery Corp., 1993) | 70.2% (ACS 2020-2024) | 1986 (ACS 5-year 2020-2024) |
| Louisiana leads | At-fault | Two years for delictual actions (Civil Code art. 3493.1, Act 423 of 2024, effective July 1, 2024) | Modified since January 1, 2026: no recovery at 51 percent or more; otherwise reduced by the claimant's share (Civil Code art. 2323) | 67.4% (ACS 2020-2024) | 1983 (ACS 5-year 2020-2024) |
| Kentucky leads | Choice no-fault | Two years after the injury, death or last reparation payment, whichever is later (KRS 304.39-230(6)) | Pure comparative fault; fault apportioned by percentage (KRS 411.182) | 68.3% (ACS 2020-2024) | 1982 (ACS 5-year 2020-2024) |
| Oregon leads | At-fault | Two years (ORS 12.110(1)) | Modified: no bar if claimant's fault is not greater than the combined fault of the others (ORS 31.600) | 63.3% (ACS 2020-2024) | 1981 (ACS 5-year 2020-2024) |
| Oklahoma leads | At-fault | Two years (12 O.S. 95(A)(3)) | Modified: barred only if the claimant's negligence is of greater degree (23 O.S. 13) | 65.8% (ACS 2020-2024) | 1980 (ACS 5-year 2020-2024) |
| Connecticut leads | At-fault | Two years from injury or discovery, no more than three years from the act (Conn. Gen. Stat. 52-584) | Modified: no bar if negligence was not greater than the combined negligence of the defendants (Conn. Gen. Stat. 52-572h(b)) | 66.5% (ACS 2020-2024) | 1967 (ACS 5-year 2020-2024) |
| Utah leads | No-fault | Four years (Utah Code 78B-2-307) | Modified: recovery only from defendants whose combined fault exceeds the claimant's (Utah Code 78B-5-818) | 70.2% (ACS 2020-2024) | 1992 (ACS 5-year 2020-2024) |
| Iowa leads | At-fault | Two years (Iowa Code 614.1(2)) | Modified: recovery barred if the claimant's fault is greater than the combined fault of the defendants; damages reduced by the claimant's share (Iowa Code 668.3) | 71.7% (ACS 2020-2024) | 1972 (ACS 5-year 2020-2024) |
| Nevada leads | At-fault | Two years (NRS 11.190(4)(e)) | Modified: no bar if the plaintiff's negligence was not greater than the defendants' negligence (NRS 41.141) | 60.0% (ACS 2020-2024) | 1996 (ACS 5-year 2020-2024) |
| Arkansas leads | At-fault | Three years (Ark. Code 16-56-105) | Modified: recovery only if the claimant's fault is less than the defendant's; equal or greater fault bars recovery (Ark. Code 16-64-122) | 66.4% (ACS 2020-2024) | 1987 (ACS 5-year 2020-2024) |
| Kansas leads | No-fault | Two years (K.S.A. 60-513(a)(4)) | Modified: recovery only if the claimant's negligence is less than the defendants' (K.S.A. 60-258a) | 67.2% (ACS 2020-2024) | 1976 (ACS 5-year 2020-2024) |
| Mississippi leads | At-fault | Three years under the general limitation (Miss. Code 15-1-49(1)) | Pure comparative negligence; damages reduced by the injured person's share (Miss. Code 11-7-15) | 70.0% (ACS 2020-2024) | 1986 (ACS 5-year 2020-2024) |
| New Mexico leads | At-fault | Three years for injury to the person (NMSA 37-1-8) | Pure comparative negligence (Scott v. Rizzo, 1981) | 70.0% (ACS 2020-2024) | 1985 (ACS 5-year 2020-2024) |
| Nebraska leads | At-fault | Four years (Neb. Rev. Stat. 25-207) | Modified: barred if claimant's negligence is equal to or greater than the total negligence of the defendants (25-21,185.09) | 66.5% (ACS 2020-2024) | 1975 (ACS 5-year 2020-2024) |
| Idaho leads | At-fault | Two years (Idaho Code 5-219(4)) | Modified: recovery only if claimant's negligence was not as great as the defendant's (Idaho Code 6-801) | 72.1% (ACS 2020-2024) | 1991 (ACS 5-year 2020-2024) |
| West Virginia leads | At-fault | Two years (W. Va. Code 55-2-12) | Modified: barred only if plaintiff's fault is greater than the combined fault of all others (W. Va. Code 55-7-13c) | 74.9% (ACS 2020-2024) | 1976 (ACS 5-year 2020-2024) |
| Hawaii leads | No-fault | Two years (HRS 657-7) | Modified: no bar if claimant's negligence was not greater than the defendants' aggregate negligence (HRS 663-31) | 63.0% (ACS 2020-2024) | 1980 (ACS 5-year 2020-2024) |
| New Hampshire leads | At-fault | Three years from the act or omission (RSA 508:4, I) | Modified: no bar if the plaintiff's fault is not greater than the defendants' fault in the aggregate (RSA 507:7-d) | 72.8% (ACS 2020-2024) | 1979 (ACS 5-year 2020-2024) |
| Maine leads | At-fault | Six years for civil actions unless otherwise provided (14 M.R.S. 752) | Modified: damages reduced by the claimant's share; no recovery if equally at fault (14 M.R.S. 156) | 74.3% (ACS 2020-2024) | 1977 (ACS 5-year 2020-2024) |
| Montana leads | At-fault | Three years (MCA 27-2-204(1)) | Modified: no bar if the claimant's negligence is not greater than the combined negligence of the defendants (MCA 27-1-702) | 69.2% (ACS 2020-2024) | 1981 (ACS 5-year 2020-2024) |
| Rhode Island leads | At-fault | Three years (R.I. Gen. Laws 9-1-14(b)) | Pure comparative negligence; damages reduced by the injured person's share (R.I. Gen. Laws 9-20-4) | 63.6% (ACS 2020-2024) | 1962 (ACS 5-year 2020-2024) |
| Delaware leads | At-fault | Two years from the date of injury (10 Del. C. 8119) | Modified: no bar if the plaintiff's negligence is not greater than the defendants' combined negligence (10 Del. C. 8132) | 73.0% (ACS 2020-2024) | 1987 (ACS 5-year 2020-2024) |
| South Dakota leads | At-fault | Three years (SDCL 15-2-14(3)) | Slight/gross: no bar if the plaintiff's negligence was slight in comparison with the defendant's; damages reduced proportionally (SDCL 20-9-2) | 68.6% (ACS 2020-2024) | 1980 (ACS 5-year 2020-2024) |
| North Dakota leads | No-fault | Six years (N.D.C.C. 28-01-16(5)); two years where death ensues (28-01-18) | Modified: barred if the claimant's fault is as great as the combined fault of all others (N.D.C.C. 32-03.2-02) | 62.9% (ACS 2020-2024) | 1982 (ACS 5-year 2020-2024) |
| Alaska leads | At-fault | Two years (AS 09.10.070(a)) | Pure comparative: contributory fault reduces damages but does not bar recovery (AS 09.17.060) | 66.8% (ACS 2020-2024) | 1986 (ACS 5-year 2020-2024) |
| Vermont leads | At-fault | Three years, accruing on discovery of the injury (12 V.S.A. 512(4)) | Modified: no bar if the plaintiff's negligence is not greater than the total negligence of the defendants (12 V.S.A. 1036) | 73.2% (ACS 2020-2024) | 1976 (ACS 5-year 2020-2024) |
| Wyoming leads | At-fault | Four years (W.S. 1-3-105(a)(iv)(C)) | Modified: no bar if the claimant's fault is not more than 50 percent of the total fault of all actors (W.S. 1-1-109(b)) | 71.8% (ACS 2020-2024) | 1981 (ACS 5-year 2020-2024) |
How state rules change MVA filters
Three state rules decide which MVA leads a law firm client can use. The first is the auto insurance system. In an at-fault state, the injured person claims against the driver who caused the crash. In a no-fault state, the injured person first claims under their own personal injury protection, and a lawsuit against the other driver depends on the injury meeting a threshold set in the statute. In a choice no-fault state, the policyholder picks between limited tort and full tort. Of the states in the table, Florida, New York, Michigan, Massachusetts, Minnesota, Utah, Kansas, Hawaii and North Dakota are no-fault, Pennsylvania, New Jersey and Kentucky is choice no-fault, and the rest are at-fault. In the no-fault states, buyers filter on injury type and diagnosis, because those fields show whether the threshold can be met.
The second rule is the deadline to bring an injury claim. It is two years in some states and three in others; the table shows each one with its statute. Buyers set an accident-age limit on every campaign, and the deadline is the outer edge of that limit.
The third rule is how the state treats an injured person who was partly at fault. Some states reduce the award by the person's share of fault. Others bar recovery above a set share. North Carolina keeps contributory negligence, which bars recovery for ordinary negligence. Where the rule is stricter, buyers filter more on liability fields (police report, citations issued, who was at fault).
Home improvement leads by state
For home improvement buyers, the Census figures in the table show two things per state: how many housing units are owner-occupied, and how old the housing is. Homeowner status is a standard filter on every home improvement campaign, and project type and ZIP code filters narrow supply further. The state guides give the figures with their Census tables and survey years.
How buying works in any state
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Frequently asked questions
Which states does Summit Leads supply?
All U.S. states, for both home improvement and MVA leads. Each buyer chooses the states or ZIP codes it buys in. There is a guide for each of the 50 states.
Why do state rules matter when buying MVA leads?
The auto insurance system, the injury claim deadline and the fault rule differ by state. They change which injury, recency and liability filters a law firm client needs, so buyers usually set filters per state.
Are leads exclusive in every state?
Yes. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Is there a contract or setup fee?
There is no long-term contract; a buyer can pause or stop at any time. There is no setup fee and no monthly fee. Buyers pay only for leads delivered that match their filters.
Is there a guide for every state?
Yes. There is a guide for each of the 50 states, covering the auto insurance system, injury claim deadline, fault rule, contractor licensing and home solicitation cancellation rules, with Census housing data. Email team@summitleads.ai with the states you buy in.
Request supply in your states
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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See also MVA leads, home improvement leads and state telemarketing laws.