What does a Personal Auto policy limit of liability specified as 100/300/100 represent?

The Personal Auto policy limit of liability specified as 100/300/100 denotes specific coverage limits concerning bodily injury and property damage. In this designation, the first number refers to the maximum coverage provided for bodily injury per person involved in an accident, the second number is the total coverage limit for all bodily injury claims resulting from a single accident, and the third number specifies the maximum coverage for property damage resulting from that accident.

This means that if there were an accident, one individual could receive up to $100,000 for bodily injury, the total for all individuals for that accident could be up to $300,000, and property damage could be covered up to $100,000. This structure is standard in auto insurance to ensure that policyholders and other parties involved have clarity on the insurance limits that apply to different types of claims arising from an accident.