In most instances, yes. When it comes to auto insurance coverage, you are paying to protect yourself and your assets, so don’t assume that the minimum coverage required by law is the same as being adequately covered. If you got into the accident, you’re likely to want to know that any damage you have unintentionally caused will be covered. Frequently, state minimum coverage isn’t enough – leaving you liable to pay out of pocket for any additional expenses. When reviewing optional coverages and coverage levels, it is essential to cover all financial assets that may be at risk from a large insurance claim and protect your net worth.