Auto insurance coverage: why state minimums may fall short
LIMA, Ohio – November 14, 2026 -- If a serious crash costs more than your liability limit, you may owe the difference yourself. A HelloNation article featuring Corey Frazer, an insurance expert in Lima, Ohio, explains how much auto insurance coverage a driver needs and why state minimums are a legal baseline, not a measure of financial risk.
Liability limits decide who pays when an at-fault crash outgrows the policy
Every state sets its own requirements, and some allow alternatives to traditional insurance. Liability cover has two parts. Bodily injury liability helps pay for injuries to others. Property damage liability helps pay for their vehicle or other property.
Medical bills, lost income and repairs can exceed a minimum policy, according to the article. It says drivers should test their limits against those potential costs instead of picking the lowest premium.