It isn’t easy to foresee which one of the two options may work in your favor. Either can be ideal for the policyholder, depending on the specifics of the auto accident. The uncertainty of car accident outcomes and the ever-increasing medical and auto repair/replacement costs make it important to increase coverage limits to maintain comprehensive auto insurance protection. Many motorists not only increase the limits on their policies but also purchase extra riders to avoid being underinsured. For example, umbrella liability policies are usually affordable to expand your auto liability protection. They’re an excellent option for maximizing coverage where the limits on your policy aren’t sufficient to protect you from financial loss when facing large liability claims.