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Post being replied to

Auto insur. quest: 100K/300K/100K vs. 300K/500K/300K. by G.K.Chesterton

The standard recommendation for years has been to get 100/300/100 coverage for auto insurance (see from Consumer Reports below as an example).

However, a recent family member doing pricing with one auto insurance company was going through the form and was getting a recommendation to move from 100/300/100 to 300/500/300, something I have never seen before. I talked recently with our State Farm insurance and no attempt was made to up-sell to that amount.

Is this just a strict up-sell attempt or is this a trend with some facts behind it?

4. Protect yourself. Make sure you get enough liability coverage. We recommend 100/300/100 coverage, which pays for bodily injury up to $100,000 per person and $300,000 per accident, and property damage up to $100,000. And buy uninsured/underinsured coverage at the same limits, in case you’re hit by a hit-and-run driver or someone without enough insurance. Finally, for added liability protection, consider an umbrella policy. A $1 million policy typically costs about $200 to $400 per year.