So, the first line is liability and bodily injury.  As I told you, Virginia law only requires a $25,000 minimum.  The policy we’re looking at is a 100,000/300,000 dollar policy.  What that means is, this provides you if you harm someone, you have insurance coverage of up to $100,000 per person that you might injure with a total of $300,000 per incident.  So, for example, if you caused significant injuries to two different people and their case was worth more than $100,000, each of them would only be entitled to $100,000 from your insurance company.  You would personally be for any verdict in excess of the $100,000.  So as you can quickly see, even a $100,000 policy is probably not enough.