Update Your Automotive Insurance Plan
Even more important than covering your car if you’re in an accident, car insurance provides liability coverage if you injure someone else or damage their car. State liability limits are way too small—consider getting at least $250,000 per person and $500,000 per accident in liability coverage.
Also make sure you have underinsured-motorist coverage (usually at the same level as your own coverage), which pays for damages to your car as well as medical expenses and lost wages in case an at-fault driver’s liability limits are too low.
