Do I need umbrella coverage with my 100/300 car insurance?

"I recently raised my car insurance limits from the state minimums. My insurance company is offering me umbrella coverage for $20 more a month.

Do I need it? I have $100,000/$300,000 limits for bodily injury. Is this too high for umbrella coverage?"

“If you do want umbrella coverage, you will most likely need to raise your liability car insurance limits. Most umbrella policies require you to have a specific amount of liability insurance. This is typically anywhere from $100,000/$300,000 to $250,000/$500,000 in bodily injury coverage.
Whether you need umbrella coverage depends on your personal situation. If you can afford to pay an extra $20 a month for your car insurance, it’s worth adding on. Should you be at fault in an accident, umbrella insurance will ensure that you are properly protected so you don’t have to pay for any damages out of pocket.
If you don’t want to pay an extra $20 a month, consider doing some comparison shopping. You may be able to find a carrier that offers more affordable car insurance.”
Emily Maracle
Answered on May 14, 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.

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