The 3 numbers are per person, per accident, property damage. Above 100k per person is 7 tiers up from their recommendation. Though, to be fair, the incremental cost is pretty low...~$9/month to jump up to that 7th tier in this example.
Also, I wonder if the issue is wholly "cheap" insurance or is it also expensive health care?
Just to put this in perspective, in Australia $20M third party insurance is compulsory. You can not register the car without it. The cost is about $500/year.
That's actually several steps up from what the insurers pitch to you as "basic".
A screenshot: https://imgur.com/a/JVe2flB
The 3 numbers are per person, per accident, property damage. Above 100k per person is 7 tiers up from their recommendation. Though, to be fair, the incremental cost is pretty low...~$9/month to jump up to that 7th tier in this example.
Also, I wonder if the issue is wholly "cheap" insurance or is it also expensive health care?