Auto liability
Minimum legal limits are not a measure of adequate protection.
A serious crash can involve medical costs, lost income, multiple vehicles and litigation.
Split limits and combined single limits
Split limits separately cap injury per person, injury per accident and property damage. A combined single limit applies one amount across covered bodily injury and property damage.
Household assets and income
Liability decisions should consider current assets, income and future earnings as well as the severity of a plausible loss. Plaintiffs are not limited by the amount of insurance purchased.
Property damage severity
Modern vehicles, guardrails, buildings, utilities and multi-vehicle accidents can exceed low property-damage limits quickly.
Umbrella coordination
Confirm the auto limits required by the umbrella carrier and make sure every household vehicle and driver is handled consistently.
Complete household protection