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What is the highest reasonable amount of liability coverage I should have?
What liability policy numbers are the best? I'm willing to pay more for better coverage.
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The general rule when purchasing
car insurance
is to purchase as much as you can afford. The higher the coverage limits, the less chance you’ll have to pay any out-of-pocket costs in case of an accident. For most drivers, high limits of acceptable liability car insurance
would be 100k/300k/100k.Liability is broken up into two different types of coverage:
- Bodily injury liability: Determines how much you'll have to pay for injuries you cause in a car accident.
- Property damage liability: Protects property in the event of an accident.
With 100/300/100 coverage, you’ll get $100,000 per person with a $300,000 maximum limit per accident for medical payments and up to $100,000 per accident for property damage.
Keep in mind: Your insurance pays for more than just damaged physical property and medical bills! It also covers costs associated with the accident, such as legal fees, pain and suffering, and funeral costs.
By downloading
Jerry
, the trustworthy super app
, you will find the lowest-priced car insurance with the right level of coverage for you and your family.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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