Yes, you have the option to choose higher coverage limits for liability car insurance than the state minimum. When it comes to car insurance, each state sets a minimum requirement for liability coverage that you must have. This minimum coverage is designed to provide some financial protection in case you cause an accident.

However, it’s important to note that the state minimums may not always be enough to fully cover the costs of an accident. If the damages exceed your coverage limits, you could be held personally responsible for the remaining expenses. That’s where higher coverage limits come in.

What happens when you choose higher liability coverage limits?

By choosing higher coverage limits for liability car insurance, you can increase the amount of financial protection you have in case of an accident. This means that if you cause an accident and the damages exceed the minimum coverage, your insurance policy will help cover the additional costs up to your chosen limits.

How can you get higher coverage limits for your car insurance?

To obtain higher coverage limits, you can typically contact your insurance provider and request to adjust your policy accordingly. Remember that higher coverage limits may result in slightly higher premiums, but the extra protection can be well worth the investment.


You can choose higher coverage limits for liability car insurance than the state minimum. It’s a smart decision to consider increasing your coverage limits to better protect yourself financially in case of an accident. Just reach out to your insurance provider to discuss your options and find the coverage that best suits your needs.

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