(BI) Bodily Injury & (PD) Property Damage Limits are usually 3 numbers: 10/20/10 * 50/100/100 * 100/300/100 * 250/500/100
First Number: Bodily injury liability maximum for one person injured in an accident.
Second Number: Bodily injury liability maximum for all injuries in one accident
Third number: Property damage liability maximum for one accident.
Example: In Florida, the minimum limits are (10/20/10)
10/20/10 = $10,000 for injury liability for one person / $20,000 for all injuries / $10,000 for property damage in an accident.
100/300/100 = $100,000 for injury liability for one person / $300,000 for all injuries / $100,000 for property damage in an accident
Personal Injury Protection (PIP)
$10,000 for medical and loss of wages
Medical Payments
Coverage ranges from $1,000 to $25,000
Uninsured & Underinsured Motorist (UM/UIM)
Limits are usually 2 numbers: 10/20 * 25/50 * 50/100 * 100/300 * 250/500
First Number: Bodily injury liability maximum for one person injured in an accident.
Second Number: Bodily injury liability maximum for all injuries in one accident.
Example: If your limits are 100/300 for uninsured motorist coverage =
$100,000 for injury liability for one person / $300,000 for all injuries / $10,000 for property damage in an accident
Comprehensive Coverage
Vehicles are covered as ACV (actual cash value)
Collision Coverage
Vehicles are covered as ACV (actual cash value)