AI prompt to explain liability limits (e.g., 100/300/100)

Clients rarely read their policies, and confusing terms lead to surprises at claim time. Plain-English explanations build trust and help prevent misunderstandings. AI turns policy language into short, clear explanations you can edit.

Below is a ready-to-copy prompt to explain liability limits (e.g., 100/300/100), a detailed version that asks you clarifying questions first, and tips for using it. It works in any AI assistant: ChatGPT, Claude, Gemini or Copilot.

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The prompt

Explain auto liability limits like 100/300/100 in plain English: what each number means, why state minimums may be low, and questions to discuss with an agent. No recommendations of specific limits. Under 200 words.

Detailed version (asks clarifying questions first)

Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the type of policy, who the explanation is for, and whether you want an email, handout or script). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Explain auto liability limits like 100/300/100 in plain English: what each number means, why state minimums may be low, and questions to discuss with an agent. No recommendations of specific limits. Under 200 words.

What a good result looks like

A good explanation decodes the three numbers plainly (injury per person, injury per accident, property damage, in thousands), uses a simple example and explains that state minimum limits may be lower than what a serious accident costs. It ends with questions to discuss, not a recommendation.

Common mistakes and watch-outs

Don't recommend specific limits in a general explainer, and don't quote typical lawsuit or medical costs without a source. Some states use different formats or combined single limits, so check before using the example.

How to adapt the prompt

Ask for a version for parents of new teen drivers or for clients who have just bought a home. You can also ask for a version explaining how an umbrella policy can sit on top of these limits.

EXAMPLE output (placeholder data, not a real client)

What does 100/300/100 mean?

- 100: up to $100,000 for injuries to one person in an accident you cause
- 300: up to $300,000 total for injuries in that accident
- 100: up to $100,000 for damage to others' property, like their car

Why it matters: state minimum limits can be much lower. If damages go above your limits, you could be responsible for the rest.

Questions to discuss:
- What do I own that I'd want to protect?
- Would an umbrella policy make sense?

Ask [Agent Name] to review your limits.

How to use it

Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
Add your details. Add the details for your situation (line of business, audience, tone). Keep it de-identified; never paste client personal information.
Run it in the right tool. Paste it into any AI assistant: ChatGPT, Claude, Gemini or Copilot.
Review before you use it. Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy. Check every fact, name and number yourself.
Take the next step. Next, see: Offer umbrella coverage to home and auto clients.

Which AI tool to use

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

Paste the prompt above (short or detailed) into any of these.

Before you use it

Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy.
Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
Review every AI output for accuracy and compliance before you use it.

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