A lot of people do the minimum, putting at risk their other assets. If you don't have much I suppose it gets you by. I have hi limit for the uninsured/underinsured motorists. Had to use it when an illegal T-boned my wife by running a stop sign at high speed. On another note my son had a new car and totaled it by hitting a telephone poll. He came out with not much injury. The car was 6 months old and Allstate gave me a check that was about $4000 more than I paid for it out the door. I didn't complain. That was 20 years ago though.
A lot of people do the minimum, putting at risk their other assets. If you don't have much I suppose it gets you by. I have hi limit for the uninsured/underinsured motorists. Had to use it when an illegal T-boned my wife by running a stop sign at high speed. On another note my son had a new car and totaled it by hitting a telephone poll. He came out with not much injury. The car was 6 months old and Allstate gave me a check that was about $4000 more than I paid for it out the door. I didn't complain. That was 20 years ago though.