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This is the maximum dollar amount that pays for a single person that you injure in an auto accident. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise. These include: Most people opt for higher amounts of auto insurance coverage than the state minimum in order to protect themselves in case of an accident. Enter Your Zip Code to Get Insurance Quotes in Your Area. Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation.