What is 30/60/25 Auto Insurance?

Coverage Description

30/60 identifies the bodily injury coverage included in the policy. A 30/60/25 policy will cover bodily injury up to $30,000 per person with a maximum of $60,000 per accident.  Property damage liability is the 3rd item on policy description, for example with 30/60/25, the 25 represents property damage.  A 30/60/25 policy has $25,000 coverage per accident. The 30/60/25 on your policy describes what is paid to the other party involved in an accident when you are at fault.  While you can purchase 30/60/25 and meet the legal minimum financial requirements of the state, however it may not and often times doesn’t fully cover all your liabilities in an accident.

Not included with 30/60/25

Your vehicle or injuries to your occupants of your vehicle are not part of the 30/60/25 coverage.  Also, not included are damages that exceed the stated amounts.

Consequences of Inadequate Coverage

When a driver of your car is at fault, your insurance will only cover up to the amount specified in your policy.  The vehicle owner and not the insurance company must pay the amount that exceeds the policy limit. The other party will often sue for these damages if the vehicle owner cannot or does not pay the owed amount. A lawsuit can result in garnishment of wages or a forced sell of unexempt property. A Judgement negatively affect your credit for 10 years.