Most states require that drivers carry a minimum amount of car insurance. The minimum amount may not be adequate for your needs, however. A car accident can cost far more than those minimum requirements and you will find yourself underinsured and taking losses that will hurt you considerably. The Insurance Information Institute recommends that you carry $100,000 of bodily injury per person and $300,000 per accident. This is known as 100/300.
For instance, the state of Florida requires that you carry a minimum of 10/20/10. In other words their total minimum requirement is $10,000 for personal injury protection (PIP), but no requirement for bodily injury. Obviously this is a dangerous position to be in with auto insurance. No matter what you are driving you need to be sure that you are protected financially from tremendous losses. The industry standard of 100/300 is the best rule to follow to be completely protected when you need to file a claim. The Insurance Information Institute is an excellent reference tool for all types of insurance. Do not hesitate to consult this site http://www.iii.org for all your insurance needs.
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