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That is tiny. I just checked Uk legislation and it seems to require £1.2m cover for damage to property and unlimited cover for personal injury and deaths.

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I have $500,000 in coverage for bodily injury liability and $100,000 for property damage and I feel like that’s not enough but those are the highest options to select for coverage.

I’d prefer to be covered at double those amounts in case of some crazy and unlikely scenario like getting in an accident with a G Wagon where the other driver dies. There’s also $40M aggregate of personal injury protection.

Umbrella insurance is intended to give you coverage in excess of those numbers.

You can get $3M-$5M in personal liability umbrella coverage (“plup”) for under $1k/year, but have to max out the underlying policy limits first.

And to add, you're already close to maxing out the underlying limits by default as required by auto lenders. If not financing, you should still...get similar levels to add umbrella.

For the parent, an extra 1M umbrella is an extra $2-300/y and covers beyond auto!

Thanks for the advice, I will look into that!

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