Different people have different ideas about what it means to have full coverage on your automobile insurance.  State only requires $15,000 liability.  I suggest that you take a look at your total net assets (those that you have equity in) and then ask yourself “are my insurance limits of coverage sufficient to protect the value of all of the equity that I have in all of my assets.  If the answer is yes, then you have enough insurance.

If the answer is no, then you should increase the amount of your liability insurance so that the amount of your insurance protection is greater than the total amount of your net assets.  Additionally, you should consider uninsured and under insured motorist coverage and make it the same amount as the liability coverage that was discussed above.  The premium dollars that you pay out for this coverage may come back some day in the form of real dollars in your pocket.

After all, now a days not many people have what I would consider to be full coverage as discussed above, and if the at fault party has no insurance, then you will be covered for your property damage and you personal injuries to the extent that you have uninsured and under insured motorist coverage.