Car Insurance Experts advice needed

what is the remaining value on the vehicle and are you willing to risk having it totaled and having to come out of pocket for a new/used car?

I honestly would not hit the road without a minimum of 100K in liability, 50k in property damage and UM coverage.

collision and comprehensive in this scenario will be determined by the vehicle value and your risk tolerance.

and to make it clear, it is always about risk tolerance.

If you hit a surgeon and crush his hand, you are going to be paying on that for a long time in future wages.

I carry
300/500 per person/per accident
100k property damage
50/100 UM
25k med pay

I do not carry comp or collision as both vehicles are early 2000, paid off and likely worth only 3k each.


ETA: $1,050 premium on those two vehicles and I carry a 2M umbrella on top. New Orleans area