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Decode a policy

Advanced · liability · 2 min

Liability waterfall simulator

Watch bodily injury per-person and per-accident limits drain across multiple claimants—and see what remains uncovered.

Educational only. PolicyPlain does not sell insurance and does not provide insurance, legal, or financial advice. Coverage rules and prices vary by state and insurer. Read our full disclaimer.
Accident limit remaining$0 left

  • Driver A injuries

    Claimed

    $75,000

    Policy pays

    $50,000

    Uncovered (you)

    $25,000

  • Passenger injuries

    Claimed

    $45,000

    Policy pays

    $45,000

    Uncovered (you)

    $0

  • Property / other

    Claimed

    $18,000

    Policy pays

    $5,000

    Uncovered (you)

    $13,000

Hard truth from this scenario

$38,000 uncovered

Policy pays $100,000 of $138,000 claimed. Per-person caps and the per-accident bucket both bite—this is why “state minimum” is not a risk plan.

Claimed dollars: paid vs uncovered

  • Policy pays$100,000
  • Uncovered (you)$38,000

Driver

Paid $50,000

Passenger

Paid $45,000

Property

Paid $5,000

Decision pack · Download a colorful Excel workbook with your numbers, checklist, and matched guides—built for this run, not a blank template.

How to use results

  • Treat numbers as educational ranges, not bindable quotes.
  • Download the Excel decision pack for your exact inputs, outputs, checklist, and matched guides—or use Copy results / Print / save PDF before you close the tab.
  • Pair with a guideline for the buying process.

Methodology

Models use transparent formulas (DIME, premium multipliers, weighted checklists). Read the full methodology page.