WHY SHOULD THE TOTAL AMOUNT PAID PER ACCIDENT AND PER PERSON BE THE SAME?

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Don't just look at your total liability -- also look at your coverage per person.

Many insurance policies specify that the company will pay up to $300,000 in total liability coverage if you are found liable for an accident, but only $100,000 for each person injured. That means if you are at fault in an accident that leaves someone with a $200,000 lawsuit, you will be on the hook for half -- even though you thought you had $300,000worth of coverage. [...]