Bodily injury damages in auto accidents are driven by medical costs. Medical costs have skyrocketed. Those who are seriously injured seek damages in multiples of medical expenses incurred. $100,000 or $300,000 are not large amounts of money in this context. Consider bodily injury liability limits of $300,000, $500,000, or more and consider a personal liability umbrella with limits of $1,000,000 or more to provide additional coverage.