What is a good amount of liability insurance to have?

Why should I get $100,000/$300,000/$100,000 coverage? Right now I carry Iowa's state minimums and I've never been in an accident.

Answer provided by
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.
“Even if you’ve never had to use your car insurance, experts recommend carrying higher than state minimums. This is because state minimums often won’t provide enough coverage for injuries or damages in a major accident.
Having $100,000/$300,000 limits for bodily injury liability makes it less likely that you’ll have to pay out of pocket for another driver’s hospital bills or injuries.
Having a $100,000 property damage liability limit should cover another driver’s vehicle or property. If you’re in a multiple vehicle accident and at fault, it’d also make sure you have enough coverage for all damage done.
It’s normally recommended that you carry the highest amount of coverage you can afford. If you can afford $100,000/$300,000/$100,000, you should consider raising your limits. You can never have too much insurance!”

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