Caleb Hanke, State Farm Agent

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Those numbers usually refer to your liability limits. The first number is for injuries to one person. The second is for injuries to multiple people in the same accident. The third is for property damage, like someone else’s vehicle, fence, or building.”

“So the better question is not just, ‘Do I have insurance?’ It is, ‘Do I understand what my insurance would actually do?’”

“En español: esos números normalmente hablan de los límites de responsabilidad. El primero es para lesiones a una persona. El segundo es para lesiones a más de una persona en el mismo accidente. El tercero es para daños a la propiedad, como otro vehículo o una cerca.”