Charles Browning Insurance Agency

📋 We touched on liability limits in an earlier post — today let's go deeper. Because those numbers on your policy actually mean a lot more than most people realize.

WHAT YOUR LIABILITY LIMITS ACTUALLY MEAN

You've seen the numbers: 25/50/25. Or maybe 100/300/100. But what do they actually mean when it matters most?

Let's decode it:

🔹 First number — Bodily Injury per Person
The max your insurance will pay for ONE person's injuries in an accident you caused.

🔹 Second number — Bodily Injury per Accident
The total max for ALL injuries in a single accident. Once this is hit, your coverage stops — no matter how many people are hurt.

🔹 Third number — Property Damage
The max your insurance pays for damage you caused to someone else's vehicle or property.

📌 Real world example with 25/50/25:
You cause an accident injuring 3 people. One person has $30,000 in medical bills.

❌ Your policy only covers $25,000 for that one person.
❌ You're personally responsible for the remaining $5,000 — plus anything over the $50,000 total limit.

Now think about what a serious accident with a newer vehicle or multiple injuries could cost. Medical bills alone can reach six figures.

⚠️ State minimums are the floor — not the recommendation. Most insurance professionals suggest at least 100/300/100 for adequate protection.

Not sure what limits you're carrying? 👉 Message us and let's make sure you're not underexposed!