"The driver who killed Seamus had just $100,000 of liability coverage per victim." That's actually several steps up from what the insurers pitch to you as "bas

"The driver who killed Seamus had just $100,000 of liability coverage per victim." That's actually several steps up from what the insurers pitch to you as "basic". A screenshot: https://imgur.com/a/JVe2flB https://imgur.com/a/JVe2flB The 3 numbers are per person, per accident, property damage. Above 100k per person is 7 tiers up from their recommendation. Though, to be fair, the incremental cost is pretty low...~$9/month to jump up to that 7th tier in this example. Also, I wonder if the issue is wholly "cheap" insurance or is it also expensive health care?