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Liability limits are the maximum amount your insurer pays when you cause an accident. Learn how to choose the right liability coverage limits.
Liability insurance is the primary requirement, covering damage and injuries you cause others in an auto accident. Common liability limits are $25,000 per person, $50,000 per accident for...
Limits. Across the United States, the average liability limits total $90,000 on average, with limits of around $18,000 for property damage, $26,000 for bodily injury per person, and $52,000 per accident. But remember, that’s an average; see your state’s exact required limits below.
Each state determines its own liability coverage limits, which are typically split into three categories: bodily injury per person, bodily injury per accident, and property damage. In Texas, the minimum is often listed as 30/60/25 and explained below:
Every state sets its own minimum limit requirements for BI and PD, and your Progressive auto policy will always meet your state's minimum coverage requirements. You can also choose to increase your liability coverage limits. Learn more about auto liability coverage and how it works.
The point of state-mandated auto insurance liability requirements is to guarantee that if you get into an accident with someone else and it’s your fault, you’re able to pay for their bodily injuries and property damages.
Auto liability insurance limits are typically broken into three numbers to reflect how much coverage you have per person and per accident. For instance, if you're in Illinois and have the minimum auto insurance liability limit required in the state, you'll see $25,000/$50,000/$20,000 on your policy. Here's what those numbers mean:
For car insurance, you may see this coverage referred to as auto liability coverage. For property insurance, it's usually referred to as personal liability coverage. 3 min to read. Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here. Answers. General insurance topics.
Liability car insurance is required to drive legally in Texas and pays for injuries and damage you cause if you’re found at-fault after an accident. But it won’t pay for everything. Keep...
Liability car insurance has coverage limits, which is the maximum that your insurer will pay out for bodily injury and/or property damage to others if you are at fault in a car accident. You...