What Car Insurance Limits Should I Have? 
You should choose a liability limit that is more than your net worth plus two years salary . While this may not always be appropriate it recognizes that protecting your assets is very important . Choosing the highest limits available for liability coverage always make good sense . Recently a motorist struck a pedestrian and the settlement was in excess of $ 750,000 . That is beyond the limits of most auto policies . You should consider an umbrella to extend those limits even higher . You could save a few dollars by electing the highest deductible for comprehensive and collision coverage . You should elect uninsured/underinsured motorist coverage that is equal to the limit for liability on the policy . You should select the maximum amount of medical payment coverage and accidental death and dismemberment coverage . Purchasing roadside assistance coverage and rental car reimbursement is also important . 