If your auto policy shows 100/300/100, you’re looking at your liability limits—the backbone of financial protection after an at-fault accident in Biloxi and the Mississippi Gulf Coast.
The Numbers in Plain English
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100 = $100,000 per person for bodily injury you cause.
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300 = $300,000 per accident total for bodily injury.
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100 = $100,000 for property damage you cause.
Why Higher Limits Matter on the Coast
Medical costs and vehicle prices are up. A multi-car collision on Highway 90 or I-10 can easily exceed state minimums (25/50/25). 100/300/100 (or higher) helps protect:
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Your savings and wages
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Your home (if you’re liable for large claims)
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Your peace of mind
What to Pair with Your Liability Limits
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Uninsured/Underinsured Motorist (UM/UIM): Protects you if the other driver lacks coverage.
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Collision & Comprehensive: Covers your car (accidents, theft, storms, deer strikes).
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Medical Payments (MedPay) or PIP: Helps with medical bills regardless of fault.
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Rental & Roadside: Keeps you mobile after a covered loss.
Check Your Auto Limits with a Local Agent (Call to Action)
Not sure if 100/300/100 is right for you? McMurphy Insurance will review your coverage, compare carriers, and tailor limits for Biloxi, Gulfport, Ocean Springs, and beyond—often with bundle discounts.
Get a quick local quote today.
FAQ
Is 100/300/100 required in Mississippi?
No—MS minimums are 25/50/25. Many drivers choose 100/300/100 (or higher) for better protection.
Does 100/300/100 cover my car repairs?
No. Those numbers are liability for others. You need collision and/or comprehensive for your car.
