Most people that I talk to have no idea what kind of coverage they have and assume that they have full coverage. Until i started in the insurance business I also assumed I had full coverage. What I assumed was full coverage just meant I had enough coverage to keep me from getting a ticket for no insurance. Like me I was running around with min. coverage, 25/50/25. Then i found out that the first 25 was to cover the others persons injuries up to $25000 if I was at fault , and the 50 was if I injured 2 or more persons for $ 50,000 devided up by the amount of persons injured. Then anything over that amount I was responsable for. Since I do not have that kind of funds I decided I had better raise my coverage and to my surprise it cost very little to raise my coverage to an amount that I could feel confortable with. So this being said spend a little more monthly on your insurance and better protect you assest.