When you think about those mandatory minimum coverage amounts, you can probably see why they might not be a good idea. Some catastrophic injuries, such as brain injuries or spinal cord injuries, can likely cost more than $25,000 just for the initial care, not to mention the long term care costs.
The answer to the question of how much uninsured motorist coverage you need isn't always simple. While everyone certainly needs insurance, especially car insurance, how much coverage you need really depends on your lifestyle, your car and your goals for protection. If you are someone with a lot of personal property, for example, you might want a high level of insurance to protect that property from a lawsuit should you ever cause an accident.