Hello BigStewMan
The amounts you mentioned should be fine for the average bear. However, when it comes to insurance, the saying "More Is Better" may apply.
Basically, the amount of coverage you carry personally, is subjective. It all depends upon what assets you have, other insurances you carry, the other limits of the auto policy, who is at fault and the severity of the potential accident.
The direct answer to your question only you can decide upon. Discuss this with your insurance agent. If you have assets to cover above and beyond auto insurance, you may want to inquire about an "Umbrella Policy."
Be advised that not all insurance carriers offer this type of policy. However, insurance companys offer coverages well beyond those normally offered but you have to ASK.
In todays world of law suites for everything and everything, to best cover yourself, know your personal needs and buy all the insurance you need and can afford.
Question Answered.
Case Closed.
Courts Adjourned.
Regards and Good Luck.
TCB4U2B2B
At Your Service.
Providing No Real Legal Advice. Administering "Huge Doses of Reality" on Demand or as Required...
Personal Quote: "When In Doubt, Consider All Your Options and Allow Common Sense To Prevail."
