Drivers are legally required to carry a minimum of $25,000 per person and $50,000 per accident in liability insurance. This means if you’re at fault in a crash, your insurance will pay up to those limits for the injuries and damages caused.
The Problem with Minimum Coverage
Many people don’t realize how quickly medical bills can add up after an accident. Emergency room visits, imaging, surgeries, and follow-up care can easily exceed $25,000 per person, especially in serious crashes. If your policy only covers the legal minimum, you could be personally responsible for anything beyond that amount.
That’s why it’s smart to increase your liability limits if possible — for example:
- $50,000 / $100,000
- $100,000 / $300,000
- Or higher, depending on your circumstances
Higher coverage is often more affordable than people assume — and it provides critical protection in a serious accident.
Don’t Overlook UM/UIM Coverage
Even more important than liability coverage is Uninsured/Underinsured Motorist (UM/UIM) protection. This part of your policy protects you if the person who hits you:
- Has no insurance, or
- Has too little coverage to pay for your damages
Too many drivers are uninsured or underinsured, which makes this coverage absolutely essential.
What You Should Do Now
We recommend reviewing your auto insurance policy to:
- Ensure your liability limits are high enough to protect your assets
- Confirm that you have UM/UIM coverage, with sufficient limits
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