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Compare your auto liability limits (like 50/100/25) with what you could lose in a lawsuit, and see suggested limits.
Auto liability limits are written as three numbers — bodily injury per person, bodily injury per accident and property damage, in thousands. State minimums are low compared with the cost of a serious accident, and if a judgment exceeds your limits, your savings and future wages can be at risk. This checker compares your limits with what you have to protect.
At risk = Savings, investments and home equity + Annual income × Years. Not covered = At risk − Per-person bodily injury limit. Suggested: 100/300/100 when little is at risk, otherwise 250/500/100 plus an umbrella for the rest.
A driver with 50/100/25 limits, $250,000 of savings and equity and $85,000 of income (3 years) has $505,000 at risk — $455,000 more than the per-person limit. Suggested: 250/500/100 plus a $1 million umbrella.
$50,000 of bodily injury coverage per person, $100,000 per accident, and $25,000 for damage to other people’s property.
Rarely. Minimums are often around $25,000 per person, while serious injuries can cost far more. Anything above your limits can be claimed from you personally.
Usually much less than the jump in coverage. Ask your insurer for prices at a few limits — the difference between minimum limits and 250/500/100 is often modest.