[vkou]

You're not paying to insure the car, you're paying to insure yourself against a crash where you land someone with a 5-million dollar hospital and lifelong disability bill.

The price of a car is trivial compared to the price of a person.

[lotsofpulp]

I don’t think I have seen more than $500k liability coverage, at least not in the drop down menus when shopping for auton liability insurance.

$5M is firmly in umbrella insurance or suing the at fault driver territory.

[bombcar]

They won’t sell you umbrella until you max the other policies, but at some point you’re not paying against future judgements you’re paying against the future insurance company’s lawyers defending the case.