Many people do not realize that the insurance coverage they carry is not enough. In the state of Ohio minimum limits are $12,500 per person and $25,000. per accident. However if you cause an accident that causes serious injury to another such as a herniated disc in a person's neck or back you could be justifiably faced with a verdict in excess of $100,000. That is why I recommend, at a minimum, a single limits policy of at least $300,000.
You should also ask your insurer to provide you uninsured/underinsured coverage with the same limits. That covers you for your injuries if an uninsured or minimally insured driver injures you.
For more info you can also go to my other cincinnati personal injury attorney blog at http://www.cincinnatiohiopersonalinjurylawyer.blogspot.com
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