The first two numbers are bodily injury insurance minimums, and the third is for minimum property damage coverage. (carinsurancequote.net)
If you're trying to keep your overall insurance premium low, you can opt for the state minimum property damage insurance. (compare.com)
If you cause an accident that totals or extensively damages two newer cars, you could be looking at claims that go way beyond what minimum property damage insurance will cover. (compare.com)