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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. For most drivers, acceptable liability car insurance
would be 100k/300k/100k. Liability is broken up into two different types of coverage,
bodily injury liability
and property damage liability
, and you will want adequate coverage for both. This means you have up to $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 just to name a few.
The higher the coverage limits, the less chance you’ll have to pay any out-of-pocket costs in case of an accident.
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. In just under 45 seconds, you will have quotes sent to your phone from 55+ top insurance providers. Have questions? No problem! Licensed and experienced Jerry agents are just a text away. Drivers who switch with Jerry save on average $800+ per year on car insurance costs.
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