Comments on: What is a reasonable auto insurance liability amount, i don’t believe the current legal limits are enough?

By: Joy S

Joy S — Sun, 22 Nov 2009 23:24:42 +0000

I would say 100/300/100 for liability limits and 50/100 for uninsured and under-insured.

I write policies for a company that covers Florida. You will be looking at $60 maybe $70 a month for this coverage.

You must have your vehicle registered in Florida (per State law)

Call my source below. They can help you.

By: ★♥Viking Queen♥★ Die losers!

★♥Viking Queen♥★ Die losers! — Sun, 22 Nov 2009 23:05:52 +0000

the minimum should be 100.0/300.0/100.00 It also depends on the year of the automobile and the laws of Florida.

By: entidtil

entidtil — Sun, 22 Nov 2009 22:23:14 +0000

I You buy liability to protect your assets and future earnings. I suggest 100/300/100.
but It’s entirely your call based on what you have or may have .

By: CwboyBill

CwboyBill — Sun, 22 Nov 2009 21:55:25 +0000

Minimum should be $100,00 /300,000 /100,000.

By: Fred C

Fred C — Sun, 22 Nov 2009 21:12:39 +0000

I am a retired insurance broker. Despite the fact I don’t drive as much anymore, I will not drive a vehicle with less than $1,000,000 liability coverage. My wife drives a country delivery run, and because of the increased exposure, carries $5,000,000 on her vehicle.
My liability is portable within Canada and the US. If I visit you, and drive your car, my liability coverage is still $1,000,000.
Our minimum coverage in Manitoba is $200,000, and I think that is ridiculously low, I believe the minimums should be $500,000.
My advice to all clients was to buy as much liability as you can afford.

By: fighting saints

fighting saints — Sun, 22 Nov 2009 20:30:23 +0000

Great question and analysis. I wish more people would look at the laughable state minimums and recognize that they aren’t enough.

The answer depends on what you have for answers to protect, but I normally suggest a minimum of 100/300/100 for liability limits and 50/100 for uninsured and underinsured coverage.