First, liability coverage protects you in the event you cause an accident and injure someone else.  We recommend that you buy at least $250,000 of bodily injury liability protection.  Most policies have a "split limit" feature which provides up to $250,000 per injury, and $500,000 total (if the accident cause multiple injuries).  If you've accidentally injured someone else, their medical bills can rise quickly and you'll want enough protection.  In addition, you should also look into a liability umbrella policy, which provides additional protection on top of your auto policy.  Umbrella policies are usually sold in $1,000,000 increments.  

Please note that Virginia's minimal limit for liability coverage is just $25,000, which is ridiculously low.  If you're discussing these issues with your insurance agent, you should pick the coverage that works best for your needs.  However, these figures are minimal recommendations which we routinely make to our clients.   

Andrew Thomas
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Civil litigation attorney in Virginia and is AV Rated by Martindale-Hubbell.

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Working with Andrew and his team has been--without exception--one of the most pleasant, productive, and professional experiences of my adult life. I was seriously injured in an accident in July, 2018, in Virginia. I was driving a company vehicle that was registered in Maryland, for a company that was based in Wisconsin. And I live in New Jersey, where my personal vehicles are insured. The several jurisdictions involved presented a very unique case that demanded an experienced and nuanced strategy. I found Andrew Thomas (of Dulaney, Lauer, & Thomas) through some online research. And it is noteworthy that Andrew has worked the other side of the aisle--he used to work with insurance companies. Andrew took on my case with the assurance that he would work it with no less energy than he does each of his cases. At each turn, and with each question I had, Andrew and Paralegal Misty kept me informed, returned my calls, provided detailed explanations, and kept me feeling like I was in the loop and there was an eventual end to our journey. Nearly five years after the accident, we settled out of court for a significant sum in recognition of my personal injuries. The settlement was much more than I had expected. And without Andrew & Misty, I am sure the award would have been much less. If you are looking for professionalism, knowledge, dedication, answerability, responsiveness, integrity, and human-level communication from a personal injury attorney--look no further. You have found him. Thank you, Andrew and Misty. Gary Daley
I'm grateful for all your work . . . Roger V. (Remington, VA)