In the case of an injury or has existed, the injured in the accident, you could complain and try to collect from your personal assets to their damage, which also re your insurance. For example, if you only a $ 15,000 / $ 30,000 and $ 100,000 policy ofbodily cause injury to a person, you will be sued personally for $ 85,000 damages.
As such, it is important to consider the purchase of more than minimal coverage by your health insurance. People with moderate amounts of assets are often purchased to protect injury $ 100,000 / $ 300,000 and it is not for individuals, $ 1,000,000 have high asset reporting rare.
You can also consider an insurance context, the additional liability insurance also provides coverage in your auto policy.
From a legal perspective, it is advisable to have adequate insurance protection, so if you cause an accident and serious injury, your insurance sufficient to pay the damages and your personal assets are not compromised.