What are the best liability policy limits?

Answer: It is generally accepted among insurance agents that state minimum policy limits are not enough. Most insurance professionals would agree that for the average driver the best liability limits to have are 100/300/100. This means

$100,000 per person for bodily injury
$300,000 limit per accident for bodily injury
$100,000 per accident for property damage

Since, in most areas, medical treatment is in fairly the same range, the last limit, per accident for property damage, is the one you may want to take into account if you are not the average driver.

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