Do I need high bodily injury liability coverage if I have an umbrella policy with Travelers?

My car and renters insurance are bundled and I just added $1 million of umbrella coverage. My current bodily injury limits are $250,000/$500,000. Is it necessary for the limits to be this high if I have umbrella coverage? Am I paying more than I need to?

Answer provided by
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Emily Maracle
Answered on Apr 30, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Although higher coverage limits of bodily injury liability may seem excessive once you add an umbrella policy, it is typically required.
Umbrella policies are considered secondary coverage and additional protection. Your primary auto insurance liability limits would need to be exhausted before your umbrella coverage will kick in.You may also be receiving a discount on your policies overall for having higher bodily injury limits.
If you’re curious about other carriers, it never hurts to shop around. You can comparison shop to see if you can find similar coverage with another carrier.
If you want cheap car insurance quotes fast, go to Jerry. A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you. “
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