State minimum limits are defined as the minimum legal limits of liability your state requires drivers to maintain on their auto policy. Pennsylvania, for example, requires drivers to carry bodily injury liability limits of $15,000 per person and $30,000 per accident. Property damage liability limits of $5000 per accident are also required. A $15,000 bodily injury limit will likely not even get an injured party to the hospital if they must be air-lifted via helicopter. Likewise, $5,000 of property damage liability won't cover the cash value of most vehicles if they are totaled.
If you are responsible for the bodily injury (or death) of another motorist, $15,000 of liability insurance is in no way an adequate amount of insurance to appropriately protect yourself and your assets from lawsuits and claims made by the injured party. You may be left with little options to pay large judgments and be faced with liquidating personal assets or have your wages garnished. The injured party may even seek remedy for pain and suffering claims alongside other medical or property damage losses they have incurred.