How are auto liability limits typically expressed?

Auto liability limits are typically expressed in a three-number format. Each of these numbers represents a different type of coverage limit established by the insured for bodily injury and property damage liability. The first number refers to the maximum amount payable for bodily injury per person, the second number indicates the total maximum amount for bodily injury per accident involving all individuals, and the third number denotes the limit for property damage per accident.

In the answer provided, 25/50/15 indicates that the policyholder's liability coverage includes a maximum of $25,000 for bodily injury to one person, $50,000 for total bodily injury per accident, and $15,000 for property damage per accident. This format is commonly used in insurance policies, as it clearly outlines the limits of coverage in a standardized manner that is recognized within the industry.

Understanding this format is critical for both insurance professionals and policyholders, as it helps clarify the extent of coverage that is in place and aids in assessing adequate liability protection when selecting an auto insurance policy.