Breaking Down Your Auto Policy Coverages

Hello, G. Lewis Insurance here with a breakdown of your auto liability coverages so you can assess if you have the correct coverages that work for you and your vehicle(s).  

Auto liability limits are the maximum amounts your insurance company will pay for damage or injuries you cause to others in an accident. They’re typically split into three numbers, like 25/50/10, and here's what they mean in simple terms:
 
First Number – Bodily Injury per Person:
This is the maximum amount your insurance will pay for injuries to a single person in an accident you caused.
Example: $25,000 (from the 25 in 25/50/10).
 
Second Number – Bodily Injury per Accident:
This is the maximum amount your insurance will pay for all injuries to all people in one accident.
Example: $50,000 (from the 50 in 25/50/10).
 
Third Number – Property Damage:
This is the maximum amount your insurance will pay for damage to other people’s property (like their car or a fence).
Example: $10,000 (from the 10 in 25/50/10).
 
Example:
If you cause an accident and:
One person has $20,000 in medical bills; you're covered because it’s under $25,000.
Three people have $20,000 each in medical bills ($60,000 total), your insurance only pays up to $50,000, and you might have to pay the extra $10,000.
You damage someone’s car, and the repair costs are $15,000, your insurance pays $10,000, and you might owe the rest.
Keeping limits higher protects you from having to pay out-of-pocket if the damages exceed your coverage.
 
Collision Coverage:
What it covers: Damage to your car when you hit something (like another car, a tree, or a pole), regardless of who is at fault.
Example: If you accidentally back into a pole or someone crashes into your car, collision coverage pays to fix or replace your car (up to its value).
 
Comprehensive Coverage:
What it covers: Damage to your car from non-collision events, like theft, fire, natural disasters, vandalism, or hitting an animal.
Example: If a tree falls on your car, your car is stolen, or you hit a deer, comprehensive coverage pays for the damage.

Both usually come with a deductible (the amount you pay out-of-pocket before insurance kicks in).  

Reach out if you need assistance with your insurance policies, we are here to help!