I don't know if this applies to all insurance carriers or in every state, but I opt for the highest level at 1-mil because it also covers me in case of uninsured motorists. With so many illegal aliens and other people driving in my state without driver's licenses and insurance, I sincerely hop the extra coverage will be helpful should the unfortunate happens. I also carry umbrella policy beyond the 1-mil on my auto policy.. however, I'm pretty sure the umbrella policy coverage doesn't extend to uninsured motorists who run into me.