With high medical costs and increased cost of new automobiles, this minimum coverage may not be adequate. Beyond this basic policy, most companies will write an umbrella policy for up to one million dollars at reasonable cost. It costs very little to increase this coverage and helps prevent the risk of financial disaster from a liability case. Under this coverage, the insurance company pays, to the limits of the policy, the medical expenses resulting from accidental injury for you and your immediate family whether you are in your own car, someone else's car, or walking. Coverage also applies to passengers in your car.
Payment is made regardless of who is at fault.
This limit applies to each person injured. This coverage applies only to bodily injury, not car damage expenses. It provides immediate payment for you and passengers in your own car, while riding in someone else's car, or while walking. The premium is small for this protection because risk is small. Uninsured motorists coverage for medical expenses is now required.