How much car insurance coverage do you need?

Answer

each state has a minimum you must carry, but these are min. for instance the state i live in only requires 10k for property damage...that's not nearly enough..you can't hardly get a good used car for 10k anymore...this min. would mean : you are at fault and the damage you caused to the other vehicle (or vehicles/fences etc..all damage caused from one accident to the property of others) was say 15k (not uncommon), your policy would/could only pay 10k and now you are left with 5k to pay... so you need to review it carefully, i personally have 50k on property damage, and 100/300k on bodily injury and uninsured motorist...what both of those coverages are: 100k (limit) per person and 300k per accident for any injuries i cause (under the bodily injury coverage) and same for uninsured motorist..that coverage pays for the injuries caused by an uninsured motorist.......clear as mud right?

First answer by Mama lori. Last edit by Mama lori. Contributor trust: 329 [recommend contributor]. Question popularity: 9 [recommend question]