Q: "Is 20/40/15 good coverage for a liability-only car insurance policy? "
Apr 19, 2021

I am unsure what this means or if it is good coverage. I only want liability as it does not make financial sense to have full coverage on my older car. But I also don’t want to have to pay out of pocket if I get in an accident.

Answer provided by
Johnny Puckett
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.

“The first two numbers refer to your policy limits for bodily injury liability per person and per accident. The third number refers to your policy limit for property damage liability per accident.

So that means 20/40/15 car insurance breaks down like this:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Considering the increasing cost of cars and medical services, this may not be sufficient coverage in the event of an accident. The basic rule of thumb is that you should purchase as much coverage as you can comfortably afford. If you want to raise your policy limits, contact your insurer.”

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