Yes, I just had the minimum required by the state. I have now increased it to include situations like this, but it's expensive and I'd like to call around to ask for a better deal, so I would like to know what kind of minimum reasonable coverage I should be asking for. I know it depends on a few variables but there should be some kind of standard answer for regular people, right?

I don't drive much and have never been in an accident, but people here drive like dicks so clearly I need more than the minimum required by the state. Thanks for any advice