100/300/100 Insurance: What It Means and Why It Matters

If you’ve seen 100/300/100 on your car insurance policy, you’re looking at your liability limits—a critical part of your financial protection on the road. This level of coverage is a smart middle ground between state minimums and high-limit policies.

What Does 100/300/100 Insurance Mean?

• $100,000: Max bodily injury coverage per person

• $300,000: Max total bodily injury per accident

• $100,000: Max property damage per accident

These limits apply if you’re at fault in a crash. It means your insurer will pay up to $100,000 for one injured person, up to $300,000 total for all injuries in the accident, and $100,000 for property damage like a damaged car, fence, or building.

Why 100/300/100 Coverage Is Smart

Many states only require 15/30/15 or 25/50/25, which often isn’t enough to cover today’s medical and repair costs. 100/300/100 insurance offers:

• Stronger protection from lawsuits

• Peace of mind in high-cost accidents

• Coverage aligned with your assets if you own a home or have savings

When Should You Consider Higher Limits?

Upgrade beyond 100/300/100 if:

• You own property, investments, or have a high income

• You drive frequently or in high-traffic areas

• You want to avoid out-of-pocket legal costs

Some drivers choose 250/500/250 or add umbrella insurance for even broader protection.

Split Limits vs. Combined Single Limit

Split limits like 100/300/100 are more affordable and still provide solid protection.

Who Needs 100/300/100 Insurance?

This level of insurance is ideal for:

• Homeowners

• Families with dependents

• Anyone with assets to protect

• Drivers in high-traffic or high-risk regions

Final Word

100/300/100 insurance is often the sweet spot for affordability and protection. It protects you against lawsuits, medical bills, and expensive repairs—helping you avoid paying out of pocket.

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