Auto Liability is meant to protect you if you are found liable or responsible for something. Take for instance; you damage someone else’s vehicle. Your car liability insurance will cover the damage to their car. Also if you are being sued, this insurance will cover any legal defense cost. Which will certainly be helpful in this situation.
The legal minimum liability insurance limit to drive may not be the best coverage for everyone. The minimum liability car insurance limits are what are required by law in each state before you can drive. Many people will choose the legal minimum liability insurance to try and save money but this could be a bad idea. Keep in mind that whatever liability limit you chose, that is the most amount that you will get for any damages you are liable for and any legal defense you may need. This is certainly something that would need to be determined on an individual basis. It would be helpful to work with a trusted insurance agent that understands your needs and budget. However, it is generally accepted among insurance agents that the state minimum policy limits are not enough.
You can consider adding on what is called an umbrella insurance policy for added coverage. This insurance is designed to give you added liability protection above and beyond the limits of your personal insurance policy. This protection is designed to kick in when the liability on other current policies have been exhausted.
Deciding what amount of coverage you want to get can be a difficult decision. Unfortunately many have made the wrong decision and have regretted only having the minimum coverage. You will want to make sure that you and your family are protected in the case of an accident. So why not take the time to consider all of your options in this area.