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Personal Auto
Liability Limits
Also known as: 25/50/20 · 100/300/100 · split limits
The maximum amount your insurance pays for bodily injury and property damage per accident.
Liability limits are written as three numbers: bodily injury per person / bodily injury per accident / property damage. '25/50/20' means $25,000 max per injured person, $50,000 max total for all injuries in one accident, $20,000 max for property damage. Illinois minimum is 25/50/20; Texas minimum is 30/60/25. Both are dangerously low — most agents recommend 100/300/100 or higher, since a single bad accident can blow through state minimums in minutes.
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