I always carried the minimum liability and property in addition to $1,000 deductible Collision and Comprehensive. Maybe I should consider geting a higher level rather than the minimum required? I would appreciate input from other drivers. Ed
That might be a state law. I have pretty close to the max for coverage, but for the umbrella policy they wanted it upped to the max.I can't speak for coverage in Florida, but in many states (like Maryland, Connecticut, and Indiana), the insurance company that issues the umbrella policy requires that one have the state minimums for automotive liability insurance on cars, and then anything over that is taken care of by the umbrella policy. I just went through this a couple of years ago when we switched insurance carriers for home, auto, and umbrella coverage.
Depends on your own net worth.I always carried the minimum liability and property in addition to $1,000 deductible Collision and Comprehensive. Maybe I should consider geting a higher level rather than the minimum required? I would appreciate input from other drivers. Ed
When an off duty fire fighter tried to kill my daughter by making a left turn right in front of her and turned out to only have $ 50,000 liability insurance, I learned the importance of having uninsured/underinsured coverage on my auto policies. The medical bills came to nearly $ 500,000.