Coverage decision tool
Liability Limits Recommender
Get a directional recommendation for bodily injury and property damage limits based on your financial picture and risk comfort.
Your profile
Include home equity and savings you want protected from lawsuits.
Suggested limits (BI/PD)
Bodily Injury per person / Bodily Injury per accident / Property Damage
Context
- Match liability to the assets you want to protect from judgments.
- Higher risk tolerance can justify lower limits but increases exposure.
- Consider an umbrella if net worth exceeds $1M or you have high liability exposure.
Ready to price it?
Find the Best Providers for Your Needs
Take this recommendation and see which of the top 10 carriers offer the best rates for your target limits.
This tool shares directional recommendations for educational purposes only and is not financial, legal, or insurance advice. Liability needs and eligibility vary by state and carrier; confirm choices with your insurer or a licensed professional.
Need legal guidance?
Speak with a Lawyer in Minutes
When an accident escalates into legal questions, AskALawyerOnCall.com can connect you with on-demand attorneys who explain liability, settlement offers, and practical next steps.
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Continue smarter
After choosing liability limits
Use these resources to understand legal exposure and compare coverage without overpaying.
Guide
Understand your policy
Review exclusions, limits, and where liability coverage stops.
OpenArticle
What liability coverage covers
See what liability pays for and what it will not protect.
OpenArticle
Minimum coverage truth
Understand why state minimums can leave drivers exposed.
OpenThese tools provide educational estimates only. United Car Insurance does not sell policies, bind coverage, or submit quote requests on these pages.