Buying Liability Insurance

People who buy liability insurance that provides for their defense and pays legal judgements on their behalf frequently make two mistakes:

  • The buy far too little coverage, not realizing the substantial amount of money involved in a death or an injury suit- both in the cost of a judgement and the cost involved to defend their case.
  • They buy inconsistent limits ($100,000 on their car, $300,000 on their home, $50,000 on their boat, and so on), even though they are protecting the same income and monetary assets, not realizing the danger of having inconsistent coverage.

Since the vast majority of car accidents involve cars occupied by only one person, we recommend one of three strategies:

  • Select a per person limit high enough to meet your lawsuit coverage needs for one person’s injuries. We recommend a minimum coverage of $250,000 per person and $500,000 per accident as a reasonable place to start.
  • Buy single limit coverage- one pool of money large enough to cover all injuries and property damage without a limit on the amount paid to any one person. $300,000 to $500,000 is the least amount of single limit coverage you should consider
  • Buy a second layer of liability protection with an Umbrella Liability policy of $1 million or more. Please note: you want the umbrella policy also include $1 million or more of uninsured/underinsured motorist protection (this protects you and your family)

We have been extremely happy with the service that we have received from Cincinnati General Insurance. They go out of their way to find the best insurance policies for both our house and our cars. They also get back to us immediately for any information that we need or when we ha

Jim and Christie B.


Please note: the information provided here is of a general information nature and is accurate to the best of our ability. We are insurance agents and not insurance experts. Please consult your own policy and with your own agent for specific coverage questions and concerns.