Install
Liability and Minimums terms
What the law requires and what it misses.
Bodily injury liabilityThe part of auto liability insurance that pays for injuries or deaths you cause to other people in a crash, plus your legal defense.Combined single limitOne liability limit covering all bodily injury and property damage from a crash, instead of separate per-person, per-accident and property caps.Liability coverageThe part of a car insurance policy that pays for injuries and property damage you cause to others, plus your legal defense, up to your limits.Liability limitsThe most a liability policy will pay for injuries and property damage you cause, usually written as three numbers such as 100/300/100.Minimum coverageThe least car insurance a state lets you carry to drive legally, usually liability coverage at set limits and sometimes PIP or uninsured motorist coverage.Policy limitThe most an insurer will pay for a covered loss under a coverage, stated per person, per accident or per vehicle on your declarations page.Property damage liabilityThe part of liability coverage that pays for damage you cause to other people's cars and property, such as fences, buildings and poles.Umbrella policyExtra liability insurance, usually sold in amounts of $1 million or more, that pays after your auto or home liability limits run out.