What does 100/300/100 mean?
Written by Marc Berry
Founder and Insurance Distribution Executive
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed
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Short answer: 100/300/100 describes three auto liability limits in thousands of dollars — $100,000 in bodily-injury coverage per person, $300,000 in bodily injury per accident, and $100,000 in property damage per accident.
The first number is the most your policy pays for any one person's injuries when you're at fault; the second is the total for everyone hurt in a single accident; the third covers damage you cause to others' property — their car, a fence, a storefront. These limits pay other people, not for your own car, and they protect your savings and income if you cause a serious crash. Raising them usually costs surprisingly little, which is why many drivers carry more than their state's minimum.
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed