多少有足夠的汽車保險覆蓋？
多少有足夠的汽車保險覆蓋？
 A client who had just purchased a $3 million Personal Umbrella Policy then asked me if $3 million was enough. The answer was, "Yes, unless you get sued for $5 million". I am making an assumption that the questionner is askling about Liability Protection in an auto policy. The fact is that most States set a minimum requirement in order to meet their compliance standards for registering a car. In many cases, the minimum is far below the amount necessary to protect enough if sued as a result of an accident, but it may be plenty for individual cases. The asnwer to the question honestly lies in the answer to this question: "What is my Financial risk?" Let's consider 2 examples. A young person with a part time job and whose property ownership is limited to his older car probably has enough liability protection by having a state's minimumto cover his personal financial risk. His is minimal compared to a professional who owns a business and a home and has investments and money in the bank. This person's financial risk is much greater and therefore he or she should be considering higher limits of liability protection. So, hoiw much is enough? The answer is enough to reasonably protect your financial exposure.
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