If Person 1's medical bills total $ 40,000, Person 2's cost $ 30,000 and Person 3's cost $ 25,000, you're likely covered, as each person's bills were under $ 50,000 (
your bodily injury limit per person), and the total cost of injuries is $ 95,000, which is lower than your $ 100,000 bodily injury limit for a single accident.
For instance, you might get several quotes for $ 50,000 / $ 100,000 / $ 50,000 — that's $ 50,000 of medical coverage for each person you injure in a collision, a $ 100,000
bodily injury limit per accident and a $ 50,000 property damage limit per accident.Make sure you choose the same deductible amounts for each quote, too — usually $ 250 or $ 500.
The second number is an overall
bodily injury limit per accident.
Not exact matches
Insurance policies were structured to include mandatory minimum liability
limits of $ 25,000
per person and $ 50,000
per accident for
bodily injury, and $ 25,000 for physical damage.
Connecticut requires that every driver carry minimum liability
limits of $ 20,000
per person and $ 40,000
per accident in
bodily injury coverage and $ 10,000 property damage coverage.
At the least, you're required by law to buy a 20/40/10 policy: minimum
bodily injury liability
limits of $ 20,000
per injured person, up to a total of $ 40,000
per accident, and property damage liability coverage of $ 10,000.
Nevada requires that all drivers maintain liability
limits of at least $ 15,000
per person, $ 30,000
per accident for
bodily injury and $ 10,000 property damage.
Wyoming's automobile financial responsibility law requires minimum liability
limits of $ 25,000
per person, $ 50,000
per accident
bodily injury and $ 20,000 property damage.
Effective July 1, 2018, the minimum insurance
limits will increase to 25/50/20 ($ 25,000
per person / $ 50,000
per accident for
bodily injury liability and $ 20,000 for property damage liability).
All drivers will need to purchase basic coverage to pay for the other driver's losses which includes
bodily injury liability
limits of $ 25,000
per person up to $ 50,000
per accident as well as property damage liability of $ 10,000.
Analysis used a consistent base profile for the insured driver: a 30 - year - old single male driving a 2013 Honda Accord EX with a good driving history and coverage
limits of $ 50,000
bodily injury liability
per person / $ 100,000
bodily injury liability
per accident / $ 50,000 property damage liability
per accident with a $ 500 deductible for comprehensive and collision.
Bodily injury liability
limits of $ 30,000
per person you injure in an accident and $ 60,000
per accident, and property damage liability of $ 25,000.
Bodily injury liability
limits of $ 25,000
per person you injure in an accident, up to $ 50,000
per accident, and property damage liability of $ 10,000.
The
limits on
bodily injury liability are $ 25,000
per injured person up to a total of $ 50,000
per accident while the
limits on property damage liability are $ 10,000.
Bodily injury liability
limits of $ 25,000
per person you injure in an accident, $ 50,000
per accident and property damage liability of $ 10,000.
Policy
limits for
bodily injury liability are
per person and
per accident and coverage is written as such.
Carrying Illinois state minimum liability
limits of 25/50/20 — $ 25,000
per person and $ 50,000
per accident for
bodily injury and $ 20,000 for property damage — doesn't give you much protection if you own a home or have savings.
In Florida, FR - 44 has
bodily injury liability
limits of $ 100,000
per person, $ 300,000
per accident and property damage liability
limits of $ 50,000.
Bodily injury liability
limits of $ 25,000 for those you injure in an accident and $ 50,000
per accident, and property damage liability of $ 20,000.
Motorists must carry
limits of $ 50,000 for
bodily injury or death
per person, $ 100,000 for
bodily injury or death
per accident, and $ 10,000 for property damage
per accident.
The first number
limits the amount of the benefit paid for
bodily injury per person in an accident ($ 50,000 in the example), the second number
limits the total amount paid
per accident for
bodily injuries ($ 100,000 in this case), and the final number
limits the amount paid for property damage ($ 25,000 in the example).
UM coverage will pay up to your
limits — without a deductible — which typically mirror your liability
limits (
per person and
per accident) because UM is basically taking the place of the other driver not having
bodily injury liability coverage.
When the ridesharing app is open but a passenger has not been assigned, referred to as Period 1, Uber and Lyft offer low coverage
limits for drivers: Liability coverage of 50 / 100/25, which translates into $ 50,000 for
bodily injury per person, $ 100,000 for
bodily injury per accident, and $ 25,000 for property damage.
Averages are based on a 45 - year - old married female with a previously clean driving record who commits one traffic driving violation in a 12 - month period, drives a 2012 sedan, is employed, has a bachelor's degree, excellent credit score and had no lapse in coverage with the following
limits: $ 100,000 (
bodily injury per person) / $ 300,000 (
bodily injury per accident) / $ 100,000 (property damage
per accident), $ 10,000 (personal
injury protection or medical payments) and a $ 500 deductible for comprehensive and collision.
Bodily injury limits range from the minimum of $ 15,000
per person to $ 250,000
per person.
Bodily injury liability coverage
per person: $ 15,000 for a standard policy (see notes)
Bodily injury liability coverage
per accident: $ 30,000 for a standard policy Property damage liability coverage: $ 5,000 for a standard policy Personal
injury protection: $ 15,000
per accident, plus up to $ 250,000 for severe
injuries for a standard policy Uninsured / underinsured motorist coverage: Must match liability
limits if purchasing a standard policy
Bodily injury liability coverage
per person: $ 25,000
Bodily injury liability coverage
per accident: $ 50,000 Property damage liability coverage: $ 25,000 Personal
injury protection: Optional Uninsured / underinsured motorist coverage: Coverage must equal liability
limits, so $ 25,000
per person and $ 50,000
per accident
The three main
limits are maximum payable for
bodily injury per person, max payable to all those involved, and maximum payable for property damage (vehicle and other property included).
A minimum of $ 25,000
per person and $ 50,000
per accident for
bodily injury liability and $ 25,000
per accident for property damage liability, is required by law, but drivers are strongly urged to consider higher
limits.
The
limits of such uninsured motorist
bodily injury coverage shall be equal to the highest
limits of
bodily injury liability coverage for any one vehicle insured under the policy; provided, however, that (i) the
limits shall not exceed one million dollars ($ 1,000,000)
per person and one million dollars ($ 1,000,000)
per accident regardless of whether the highest
limits of
bodily injury liability coverage for any one vehicle insured under the policy exceed those
limits and (ii) a named insured may purchase greater or lesser
limits, except that the
limits shall not be less than the
bodily injury liability
limits required pursuant to subdivision (2) of this subsection, and in no event shall an insurer be required by this subdivision to sell uninsured motorist
bodily injury coverage at
limits that exceed one million dollars ($ 1,000,000)
per person and one million dollars ($ 1,000,000)
per accident.
They represent (in the $ thousands) your liability
limits for
per - person
bodily injury,
bodily injury for all persons injured in any one accident, and property damage liability.
(5) The named insured may purchase uninsured motorist
bodily injury coverage and, if applicable, underinsured motorist coverage with
limits up to one million dollars ($ 1,000,000)
per person and one million dollars ($ 1,000,000)
per accident.
The insurance industry and consumer groups generally recommend a minimum of $ 100,000 of
bodily injury protection
per person and $ 300,000
per accident, since accidents may cost far more than the minimum
limits mandated by most states.
Arizona's financial responsibility law requires that every driver carry at least minimum insurance
limits of $ 15,000
per person and $ 30,000
per accident
bodily injury liability and $ 10,000
per accident property damage liability.
The basic coverage in Missouri includes
bodily injury liability ($ 25,000
per person up to $ 50,000) and property damage protection ($ 10,000); however, you might also want to look into higher
limits as well as extras such as personal
injury protection, collision coverage, comprehensive coverage and uninsured / underinsured motorist coverage.
The
bodily injury parts are divided into single person and single accident
limits, and the property damage portion is earmarked for
per accident usage.
$ 50,000 for
bodily injury (not resulting in death) sustained by two or more persons in any one accident, or $ 100,000 for any
injuries resulting in death sustained by two or more persons in any one accident (subject to the above
per person
limits).
Colorado requires
limits of $ 25,000
per person for
bodily injury, $ 50,000
per accident for
bodily injury — commonly expressed as «25/50.»
The
limits of such underinsured motorist
bodily injury coverage shall be equal to the highest
limits of
bodily injury liability coverage for any one vehicle insured under the policy; provided, however, that (i) the
limits shall not exceed one million dollars ($ 1,000,000)
per person and one million dollars ($ 1,000,000)
per accident regardless of whether the highest
limits of
bodily injury liability coverage for any one vehicle insured under the policy exceed those
limits, (ii) a named insured may purchase greater or lesser
limits, except that the
limits shall exceed the
bodily injury liability
limits required pursuant to subdivision (2) of this subsection, and in no event shall an insurer be required by this subdivision to sell underinsured motorist
bodily injury coverage at
limits that exceed one million dollars ($ 1,000,000)
per person and one million dollars ($ 1,000,000)
per accident, and (iii) the
limits shall be equal to the
limits of uninsured motorist
bodily injury coverage purchased pursuant to subdivision (3) of this subsection.
Bodily injury liability
limits of $ 20,000 for those you injure in an accident, up to $ 40,000
per accident, and property damage liability of $ 10,000.
Wisconsin actually reduced its liability insurance requirements recently — cutting the $ 100,000
per person
bodily injury limit to $ 25,000 and the property damage
limit from $ 15,000 to $ 10,000 — and also made formerly mandatory underinsured motorist coverage optional.
Michigan minimum liability
limits are set with
bodily injury at $ 20,000
per person up to $ 40,000 total
per accident.
The
limits are often expressed separated by slashes in the following form: «
bodily injury per person» / «
bodily injury per accident» / «property damage».
Liability car insurance — $ 50,000
limit to cover
bodily injury you cause to others in an accident, up to $ 100,000
per accident, with $ 50,000 to pay for damage you cause to another car or property
The required minimum
limits are 25/50/15: $ 25,000
per person and $ 50,000
per car accident of
bodily injury liability and $ 15,000 of property damage liability.
The basic Kansas insurance plans include
bodily injury liability with a minimum $ 25,000
per injured person up to a total of $ 50,000
per accident as well as property damage liability with a minimum
limit of $ 10,000.
Policy
limits for uninsured motorist
bodily injury coverage are
per person and
per accident and coverage is written as such.
The first two numbers represent (in thousands of dollars) the state's
bodily injury requirements; the first number being the individual minimum coverage
limit, and the second the total minimum coverage
limit per accident.
The insurance industry recommends
bodily injury liability coverage of $ 100,000
per person and $ 300,000
per accident (referred to as 100/300), if you can afford these higher
limits.
Delaware's former minimum liability requirements of $ 15,000
per person, $ 30,000
per accident for
bodily injury and $ 10,000 for property damage were rather low — only a couple of states had lower minimum
bodily injury limits.