# Recommended to increase liability coverage **URL:** \ **Category:** Insurance\ **Created:** [December 30, 2023, 6:23pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102 "2023-12-30T18:23:19Z")\ **Posts on this page:** 17\ **Page:** 1
**Author:** ![Eric](https://avatars.discourse-cdn.com/v4/letter/e/898d66/32.png) [@Eric](https://community.clark.com/u/Eric)\ **Post date:** [December 30, 2023, 6:23pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/1 "2023-12-30T18:23:19Z")
My auto insurance company is recommending I increase my liability coverage from 300 thousand to 500 thousand per accident due to todays high medical costs. Anyone else getting this recommendation? Im curious to hear what others set their liability limits to for financial protections. What are your thoughts? Eric ---
**Author:** ![Perpatriddle](https://avatars.discourse-cdn.com/v4/letter/p/c68b51/32.png) [@Perpatriddle](https://community.clark.com/u/Perpatriddle)\ **Post date:** [December 30, 2023, 8:18pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/2 "2023-12-30T20:18:38Z")
It might be cheaper to get an umbrella policy. Plus you’d be covered for other things. ---
**Author:** ![robertpri](https://avatars.discourse-cdn.com/v4/letter/r/ec9cab/32.png) [@robertpri](https://community.clark.com/u/robertpri)\ **Post date:** [December 30, 2023, 8:25pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/3 "2023-12-30T20:25:12Z")
> [@Perpatriddle](#): > > It might be cheaper to get an umbrella policy. Precisely! My $2M umbrella policy cost less than my auto insurance. ---
**Author:** ![Smartpolitics](https://avatars.discourse-cdn.com/v4/letter/s/65b543/32.png) [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Post date:** [December 30, 2023, 10:37pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/4 "2023-12-30T22:37:59Z")
> [@Eric](#): > > My auto insurance company is recommending I increase my liability coverage from 300 thousand to 500 thousand per accident due to todays high medical costs. You have a good auto company > [@Perpatriddle](#): > > It might be cheaper to get an umbrella policy. Plus you’d be covered for other things. The only issue is the umbrella may require you to have max limits on your auto insurance ---
**Author:** ![rjratnip](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rjratnip/32/1821_2.png) [@rjratnip](https://community.clark.com/u/rjratnip)\ **Post date:** [December 31, 2023, 12:52am UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/5 "2023-12-31T00:52:43Z")
> [@Smartpolitics](#): > > The only issue is the umbrella may require you to have max limits on your auto insurance All of my umbrella policies allowed me to have minimum liability limits on my auto and house policies. ---
**Author:** ![Eric](https://avatars.discourse-cdn.com/v4/letter/e/898d66/32.png) [@Eric](https://community.clark.com/u/Eric)\ **Post date:** [December 31, 2023, 1:48am UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/6 "2023-12-31T01:48:35Z")
Ok thanks everyone. So if im allowed to get an umbrella policy for say 1 million, then it doesn’t matter if i have a liability limit of 300 thousand because ill be coveted for 1 million regardless and it might be cheaper? ---
**Author:** ![Nicki54](https://avatars.discourse-cdn.com/v4/letter/n/e274bd/32.png) [@Nicki54](https://community.clark.com/u/Nicki54)\ **Post date:** [December 31, 2023, 2:00am UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/7 "2023-12-31T02:00:18Z")
Unless one of the requirements of the umbrella is that you have more than 300K coverage. While my umbrella is a bargain I did have to adjust my auto policy upwards. ---
**Author:** ![Eric](https://avatars.discourse-cdn.com/v4/letter/e/898d66/32.png) [@Eric](https://community.clark.com/u/Eric)\ **Post date:** [December 31, 2023, 2:19am UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/8 "2023-12-31T02:19:36Z")
Interesting. @rjratnip so even with the minimum liability coverage allowed by law you are still covered for anything as long as its under the amount of your umbrella policy? ---
**Author:** ![Smartpolitics](https://avatars.discourse-cdn.com/v4/letter/s/65b543/32.png) [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Post date:** [December 31, 2023, 4:06am UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/9 "2023-12-31T04:06:10Z")
> [@rjratnip](#): > > All of my umbrella policies allowed me to have minimum liability limits on my auto and house policies. Dang I have the wrong coverage then ---
**Author:** ![rjratnip](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rjratnip/32/1821_2.png) [@rjratnip](https://community.clark.com/u/rjratnip)\ **Post date:** [December 31, 2023, 2:50pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/10 "2023-12-31T14:50:34Z")
> [@Eric](#): > > Interesting. @rjratnip so even with the minimum liability coverage allowed by law you are still covered for anything as long as its under the amount of your umbrella policy? Yes. I don’t know if this is a state by state thing or not. But at least in Washington State, I can have the minimum liability amounts for everything (auto, boat, house, etc.) and I’m covered to the max of the umbrella policy. It’s basically the whole point of having an umbrella in first place. It’s a lot cheaper than having to max out the liability amounts of everything individually. ---
**Author:** ![cdtz](https://avatars.discourse-cdn.com/v4/letter/c/d9b06d/32.png) [@cdtz](https://community.clark.com/u/cdtz)\ **Post date:** [January 4, 2024, 12:18am UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/11 "2024-01-04T00:18:31Z")
I have $250K/person, $500K/accident for bodily injury. I also have a $1 million umbrella policy. My agent doesn’t hesitate to try to upsell me but he’s never mentioned going higher on injury limits. ---
**Author:** ![Eric](https://avatars.discourse-cdn.com/v4/letter/e/898d66/32.png) [@Eric](https://community.clark.com/u/Eric)\ **Post date:** [January 6, 2024, 11:13pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/12 "2024-01-06T23:13:08Z")
Yes, I just checked and I’d need the 500 thousand limit to get an umbrella with my current insurance company. I’ll probably pull the trigger on this increase; I’m not quite rich enough to need the umbrella but it sounds like a good thing to have for some more piece of mind down the road. eric ---
**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\ **Post date:** [January 7, 2024, 4:45pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/13 "2024-01-07T16:45:48Z")
> [@Eric](#): > > I just checked and I’d need the 500 thousand limit to get an umbrella with my current insurance company USAA just requires $300K auto liability for their separate umbrella coverage, which is about $180/yr per $1M of coverage. ---
**Author:** ![Eric](https://avatars.discourse-cdn.com/v4/letter/e/898d66/32.png) [@Eric](https://community.clark.com/u/Eric)\ **Post date:** [January 8, 2024, 1:16am UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/14 "2024-01-08T01:16:44Z")
Sounds like a good deal. I don’t think I’m eligible for USAA or I’d consider switching. ---
**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\ **Post date:** [January 8, 2024, 10:56pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/15 "2024-01-08T22:56:29Z")
> [@Eric](#): > > I don’t think I’m eligible for USAA or I’d consider switching. A blood relative who’s a veteran and a USAA member can sponsor you for membership. If you have a family member who’s a veteran, ask them to take a look at USAA. ---
**Author:** ![SonoranSilkies](https://avatars.discourse-cdn.com/v4/letter/s/a183cd/32.png) [@SonoranSilkies](https://community.clark.com/u/SonoranSilkies)\ **Post date:** [January 10, 2024, 5:24pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/16 "2024-01-10T17:24:17Z")
Has to be a parent or child who was eligible, and also a member to make one eligible for membership. ---
**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\ **Post date:** [January 10, 2024, 6:01pm UTC](https://community.clark.com/t/recommended-to-increase-liability-coverage/4102/17 "2024-01-10T18:01:48Z")
Or member spouse, includes ex-spouse if still unmarried.