• $20,000 of bodily injury/death coverage for one person per accident
• $40,000 of bodily injury/death coverage for more than one person per accident
• $10,000 of property damage coverage per accident
To be safe it is usually a good idea to purchase liability car insurance. In most states this coverage is mandatory. The more you buy the less you will have to pay in the event of a lawsuit. You want to make sure that your liability insurance covers any amount that exceeds your policy limits. This way you’re protected in the event of a big loss.