How Much Car Insurance Coverage Is Enough? 
There is no absolute appropriate answer . Suggest that you assess your family situation and go from there . For example , if you have one or more underage , licensed drivers in the family , the chances of an at-fault driving accident is greatly increased based on readily available statistics . Think about your financial exposure if you or a family member hits an object in the roadway at highway legal speed , loses control slightly and subsequently rear-ends another vehicle , injuring one or more passengers . This happens everyday . A policy with minimum liability limits could easily be exhausted , possibly leaving you exposed to paying the rest of the claim out-of-pocket . Your personal assets could be easily exposed in so many similar situations . Family budgets are tough to control at times , with insurance costs often a big factor . However , think about potential exposure of personal assets . Talk to several independent agents to discuss such matters in terms of needed and recommended insurance limits . 