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Third number: Property damage liability maximum for one accident. For example, if you live in California, the minimum liability limits are $15,000 for injury liability for one person, $30,000 for all injuries and $5,000 for property damage in an accident. State by state insurance minimum requirements in thousands2: Alaska: 50/100/25. Alabama: 25/50/25.
Single limit liability coverage is auto insurance that provides one flat amount for coverage limits. For example, a policy owner may choose total per incident liability coverage of $300,000. This amount would include any and all claims for a single accident for bodily injury and property damage. Also, the limit would be applied for everyone involved in the accident, so that everyone would share in the limit of $300,000 in our example. Single Limit Liability vs. Split Limit Liability Coverage.