Summary
- The numbers are in thousands of dollars.
- They are, in order, bodily injury per person, bodily injury per accident, and property damage.
- State minimums vary, and your own situation may call for a different conversation.
Section 1.0
Reading the string
A limit written 25/50/25 means up to $25,000 for each injured person, up to $50,000 for all injured people in one accident, and up to $25,000 for property damage.
Section 2.0
What the limit is for
Liability pays for harm you legally cause to others, not for your own injuries or car. When costs exceed the limit, the remainder can become a personal matter.
Section 3.0
State minimums
Every state sets its own minimum required limits, and some use a different format. Your state insurance department publishes the current minimums.
Section 4.0
Questions to ask
- Are my limits the state minimum or higher?
- Do I have any extra liability layered on top?
- How does a change in my situation affect what I should consider?
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