The question of what the best auto insurance liability coverage to buy is one that does not have a one-size-fits-all answer. For car insurance buyers who live in jurisdictions where a minimum level of protection must be kept in place to stay legal, buying a basic policy which provides only this level of coverage may be tempting, especially in cases where the driver is trying to stick to a budget. Choosing no-frills coverage may not be the best choice for drivers who want to do all they can to ensure that they will not be faced with having to pay damages following an at-fault accident personally.
Rather than limiting the level of auto insurance liability protection to the minimum level mandated by law, a much more prudent choice is for the consumer to buy a policy with a much higher limit for liability coverage, such as a 100/300/100 policy. The first number (100) refers to the level of liability insurance coverage to pay for injuries and damages of one injured person and the second one (300) indicates the level of protection for all people injured in the same accident. In this instance, the driver has $100,000 in coverage to compensate a single accident victim and $300,000 to pay for injuries of two or more people.
The last number in the expression is for the level of property damage protection the driver has in place. A good level of auto insurance liability coverage for this type of protection is $100,000, which will pay for repairs to other vehicles and public property following the accident.