Yes, of course! I never claimed otherwise! However, you need some number so I think that makes some sense as a starting point. 20k is the minimum here and that

Yes, of course! I never claimed otherwise! However, you need some number so I think that makes some sense as a starting point. 20k is the minimum here and that's low in my opinion. Actually now that I think about it there bodily injury is separate from property injury. Here it's 20k property injury and 30k bodily injury are the legal minimums. I just remember being surprised because cars are so expensive it is not hard to do 20k in property damage, just hit a late model car.