How much liability coverage do you have in your car insurance?

[ringmastery]

the bare state minimum, or more such as 50/100/50, 100/300/100, or 250/500/100?

How much is really needed?

Getting price quotes for car insurance sucks.

[trotsky]

1. Can't remember, but...

if you could come up with a chunk of change if absolutely necessary, go for the highest deductible you can afford. It will lower your rates, no matter what coverage you go for.

[MichaelHarris]

2. A gabazillion dollars worth because

my wifes a doctor and everytime we turn around someone wants to sue us. LOL we went with whatever the AMA recommended.

[eyesroll]

3. We're maxed out...

We had to in order to get a balloon liability policy. When my husband became a candidate, he became a target. He dropped out of the race, but we kept the policy -- it's only $108 a year for a million dollars.

[GOPisEvil]

4. 250/500/250

I think. At any rate, it's a lot more than required. It was only $6/month more.

[jburton]

5. 100/300/100 for me

The minimum is worthless if any serious injuries occur.

An ambulance ride can cost over $1,000 easy, and that's BEFORE you even get to the ER. Add hospital, surgery, physical rehab etc and you will find yourself declaring bankruptcy.

100/300/100 is not much more per month than the minimum coverage.

[SW FL Dem]

6. It depends on your situation and risk tolerance.

We carry the max, because we don't want to take a chance that an accident could wipe us out financially. We also have an umbrella liability policy that requires that we have a minimum of 100/300 coverage. When we were younger with no assets, we had lower limits.

[silverlib]

7. Same here

250/500/250 and an umbrella policy that kicks in if needed. I have a fear of hitting a Hummer. That would wipe out what little savings my family has managed over the years.

I've never had a bad automobile accident. I'm kinda like Garp. If I'd had a bad accident, I probably wouldn't worry. I've had a house burn down, so I don't worry so much about additional coverage on the house and possessions. Okay - I'm weird and now the world knows.