The best liability coverage for most drivers is 500/500/500, which is $500,000 per person/$500,000 per accident/$500,000 property damage. This is also typically the maximum limit allowed by most insurance companies. That will protect you in the event of a semi serious accident. Most people also choose uninsured/underinsured motorist coverage with the same matching limits, which will protect you if the other driver doesn’t have insurance or doesn’t have enough insurance to cover your damages. Higher Liability limits are available by purchasing an umbrella insurance policy.