How Much Car Insurance Coverage Is Enough? 
I suggest a number of different approaches . How much coverage would you want the person to carry if they injured you or your family or damaged your property in a car accident ? If you cause an accident , injure family members riding with you and are from a state permitting intra-family suits , how much coverage would you want available to pay for their injuries ? And of course , how much do you stand to lose ? What is your net worth , the value of your earning power , and/or the value of your personal integrity ? None of these methods will lead you to the perfect limit but they are the considerations I would suggest one think about when selecting the appropriate amount of insurance . In addition , I always suggest your uninsured/under-insured motorists coverage -LRB- the one that covers you , your family and possibly the passengers in your car in case the other car is not insured or poorly insured -RRB- be consistent with the coverage you carry in case you hurt someone else . However if none of these considerations apply , one must always be aware of the minimum limits required by most state laws . 