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COLUMBUS, Ohio, Feb. 8, 2011 /PRNewswire/ — Bills recently introduced in two Midwest state legislatures would alter the amount of liability car insurance that resident motorists are required to carry. In January, Wisconsin lawmakers began a formal push to slash the minimum amounts of protection that drivers must purchase in their state. Meanwhile, a state senator in Nebraska submitted a bill that would beef up the required minimums in his. These opposite legislative initiatives underscore a key question that consumers need to ask when shopping for insurance: How much coverage is enough?

OnlineAutoInsurance.com recommends that consumers consider the long-term implications of opting for minimum liability limits and to at least check to see how much it would cost to get fully protected. Although motorists going with the lowest amounts of coverage required will be in compliance with the law, many states maintain outdated minimums that could leave motorists underinsured in the event of a serious accident. Shoppers can generate auto insurance quotes online in order to see how much it would cost to get more extensive protection.

Some states, like Ohio, have anemic minimums. For bodily injury liability that covers damages to one person, Ohioans are required to carry only $12,500. But the average cost of a bodily injury claim in 2009, according to the Insurance Information Institute (III), came in at nearly $13,500. That means Ohioans with barebones policies may think they have gotten a great deal by getting low levels of coverage with a low premium, but in reality they wouldn’t have enough protection to cover even an average-sized claim. At least one bill has been submitted to the Ohio legislature to up the required levels of coverage there, but it never made it out of committee.

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