re: commercial auto minimum limits

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This. It's standard written practice in the industry for 1 mil, though I have had some clients that absolutely refuse to have that high a limit for the couple dollars a month in savings.

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Unless it's something really egregiously stupid (like a true ot baller type only carrying 15/30 insurance and they have a client with really bad injuries) most lawyers won't go after INDIVIDUALS for excess of their policy limits. I can assure you, though, businesses will ALWAYS be seen as much more than fair game in EVERY scenario.