What does the Georgia minimum 20/40/10 represent in bodily injury and property damage terms?

• A. Bodily injury per person / per accident / property damage
• B. Vehicle type / coverage limit / premium
• C. Deductible amount / liability limit / coverage type
• D. State jurisdiction / insurer rating / premium

Answer: (A)

Georgia's minimum auto liability limits are expressed as 20/40/10, which represents three separate liability limits in bodily injury and property damage terms. The first number is the maximum the policy will pay for bodily injury to one person in an accident. The second shows the maximum total for bodily injury per accident, covering all injured persons in that incident. The third is the maximum property damage the policy will pay to others’ property per accident.

For example, if you cause a crash injuring two people, the policy will pay up to $20,000 for each person (up to $40,000 total for bodily injury in that accident). If there’s $12,000 in property damage to another vehicle, the policy will pay up to $10,000, and you’d be responsible for the remaining $2,000 (unless you have higher limits).

These are the minimum requirements set by Georgia law and apply to bodily injury and property damage liability, not to your own injuries or damages to your own vehicle, which are covered by other types of insurance.