Generally, liability insurance limits are expressed in terms of x/y/z, where x represents the greatest amount that the insurer will pay out for liability for bodily injury to any one person injured by its insured, y represents the greatest amount that the insurer will pay out for liability for bodily injury to all people injured by its insured in an accident, and z represents the greatest amount that the insurer will pay out for liability for property damage caused by its insured in an accident.

For example, if the tortfeasor has a 15/30/10 policy and injures three peeople, and each person's bodily injuries were worth $15,000, the insurer will only pay a total of $30,000 for all of the injuries.

On the other hand, if two people were injured, and one has injuries worth $40,000, and the other has inuries worth $10,000, then the insurer of the tortfeasor would have to pay for $15,000 worth of injuries to the first person, and $10,000 worth of injuries to the second person.