Choose Bodily Injury/Property Damage coverage of $100,000 / $300,000 / $100,000 or higher. Statistics show that this coverage is enough to cover most accidents. The first $100,000 covers injuries if there is only 1 person in the vehicle. The $300,000 covers injuries if there are 2 or more people in the vehicle. The last $100,000 covers damage to the vehicle of the person you run into.