McKayla Girardin, Car Insurance Writer
@mckayla_girardin
The numbers 50/100 on a car insurance policy mean the policy will provide a maximum of $50,000 in bodily injury liability coverage per person, up to $100,000 per accident, for other people injured in an accident you cause. If you are not at fault, your injuries are covered by the at-fault driver's liability insurance instead.
How a 50/100 Car Insurance Policy Works
- 50 is shorthand for $50,000. It is the maximum amount the insurance company will pay for a single person's bodily injuries after an accident you cause.
- 100 is shorthand for $100,000. It is the maximum amount the insurance company will pay for all bodily injuries after an accident you cause.
- Your policy may include a third number, which denotes how much your insurance company will pay for property damage liability.
- If the cost of the injuries exceeds the limits of your insurance policy, you may be sued for the remaining expenses.
To learn more, check out WalletHub's guide to bodily injury liability insurance.
People also ask
How much bodily injury liability should you have?
You should have at least as much bodily injury liability insurance coverage as your state requires, and it’s good to purchase coverage limits that are equal to your assets. Maintaining enough bodily injury liability insurance to cover your net worth is recommended to prevent lawsuits.
Bodily injury liability coverage pays for other drivers’ and passengers’ injuries when the policyholder is at fault in an accident. Bodily injury liability can cover medical bills, funeral expenses, lost wages, legal...
read full answer by WalletHub, Financial CompanyIs 50/100 insurance enough?
Yes, 50/100 is enough insurance to drive legally since it meets or exceeds all states' minimum car insurance requirements. Having $50,000 in bodily injury liability coverage per person hurt in an accident, up to $100,000 total per accident, is enough for most crashes.
Still, you should consider getting more coverage if your net worth or assets surpass these limits. Getting higher limits will ensure you are more protected if a serious accident occurs.
Key Things to...
read full answer by McKayla Girardin, Car Insurance WriterWhat does bodily injury liability insurance cover?
Bodily injury liability insurance covers other drivers’ medical expenses if they are injured in a car accident that you cause. Bodily injury liability insurance can pay for things like another driver’s emergency care, hospital fees, and even lost wages after an accident you’re at fault for.
Although bodily injury liability won’t cover your own injuries or associated costs, it can cover your legal fees if you are sued because of an at-fault accident. However,...
read full answer by McKayla Girardin, Car Insurance WriterDid we answer your question?
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