You need enough bodily injury insurance to protect your assets. For most people, that’s at least $250,000. If you have minimal assets, and there’s nothing for someone to take if they bring a lawsuit against you, it might be okay to carry on the state minimum amount. However, if you have even modest assets of a few thousand dollars, having only the minimum bodily injury insurance puts your assets at risk. You need enough bodily insurance to protect yourself if a more serious accident occurs. Most people need at least $250,000 in bodily injury insurance.