What Auto Insurance Limits Should I Have? 
The higher your liability limits , the less likely you are to lose everything you have worked so hard to attain in the case of a severe accident . Your liability limits are really your protection against getting sued if you seriously injury or kill someone in an at fault accident . I always recommend my clients get at least 250/500 coverage , and although not everyone feels they need that much coverage , the real question becomes how much do you stand to lose if you have less than that , cause a severe accident , and get sued . Your house , your future earnings , your your savings are all at risk if you do n't carry a coverage high enough to protect your assets . 