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Ever wonder what those coverage limits mean?

You see 20/40, 50/100, 100/300, 250/500 on your auto insurance policy, but what does it mean? It’s actually VERY important information for you to know. We asked our friends @Kimballcookeinsurance to explain. 

When it comes to limits in parts 3, 5 and 12 of the personal auto policy, they are often listed as 20/40, 50/100, etc. The first number indicates the limit available per person, and the second number indicates the total limit available per accident. For example, if an insured has limits of 50/100, the most any one person can receive from that policy is $50,000 and the most that will be paid for the entire accident is $100,000.

So, if you get into a serious accident that causes serious bodily injury, your coverage might not be sufficient to cover the injury claims. Talk to your agent about coverage limits and what’s right for you.

Answered by Kimball-Cooke Insurance

Please Note: This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, including American Commerce Insurance CompanySM (Cal. COA 4928-8), Citation Insurance CompanySM, The Commerce Insurance CompanySM, Commerce West Insurance CompanySM (Cal. COA 1372-2), MAPFRE Insurance CompanySM (Cal. COA 3039-5), and MAPFRE Insurance Company of FloridaSM.


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