Personal Liability Insurance is very important - carry as much as you can afford. And surprisingly it is not the expensive portion of your insurance bill. Why carry so much? Say you own a home, your home is insured for it's rebuilding cost - say $500,000. As a rule of thumb, you should care the same or more personal liability coverage. Consider this... You have a fire in your home that spreads to the neighbors home... Your fire caused the damage to your neighbors - even if it is only smoke damage... you are liable for the damages. How is your $100,000 worth of liability insurance going to cover the damage to you neighbors? Here comes the law suit....
Auto Insurance is the same. Rule of thumb - always carry the highest liability coverage possible. If you are responsible for the accident. You are responsible for the damage to the other car or cars, any medical expenses for bodily injury, and (lest we forget) any lost wages due to injury or rehab time. This all adds up. Not enough insurance? Here comes the law suit....
I know it can be expensive. I sell the stuff... but it would be more expensive if you were caught unprotected.
For a review of your insurance situation... Give me a call.. No Cost... No Obligation...
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