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. When choosing your liability limits, you want to be aware of your assets and select limits that will adequately protect you in the event that you injure someone else in an accident. If you own a home or large assets, it is usually recommended to carry liability limits of at least $100,000 per person, $300,000 per accident, and property damage liability of at least $100,000 per accident. And, if you ever feel that you need higher coverage limits you can normally call your insurance company to increase your coverage! Best of luck!