In the 10/20/10 scheme, what does the first number '10' represent?

• A. Property damage limit
• B. Per-person livability limit for injuries
• C. Total bodily injury liability
• D. Deductible amount for medical costs

Answer: (B)

The first number in the 10/20/10 scheme is the per-person bodily injury limit. It’s the maximum the insurance company will pay for injuries to a single person in an auto accident under the liability coverage. It doesn’t cover property damage (that’s the third number) and it doesn’t cap the total injuries in the crash (that’s the second number). So, for 10/20/10, up to $10,000 can be paid for injuries to each individual, up to $20,000 total for all injuries in the accident, and up to $10,000 for property damage.