Do I need to carry higher levels of car insurance coverage?

Do you really need to carry more coverage than the state minimum? My friend said I should carry higher than state minimums. She said she has $100,000/$300,000 limits for her insurance and that's recommended.

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Emily Maracle
Answered on Jul 08, 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.
“It’s not required by any state that you carry $100,000/$300,000 limits for bodily injury liability. However, it is recommended to protect yourself if you’re at fault in an accident.
If you don’t have high enough coverage limits when at fault in an accident, you’d be required to pay for any remaining expenses out of pocket. If you can’t afford to do that, the state could garnish your wages or seize assets to pay it.
Since medical care can be extremely expensive, carrying higher limits can minimize or eliminate your out of pocket costs.
Whether you choose to carry this much car insurance is up to you. If you don’t think you can afford to carry these limits, you should look into carrying the highest amount of coverage you can afford.
As time goes on, you may be able to increase your coverage limits.”
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