Car Insurance Coverage Limits?

[autoxer]

I'm trying to figure out how much car insurance coverage is appropriate. There is so many different options (15/30, 25/50, 50/100, 100/300, ....)

In order to protect my personal assets from a lawsuit where the insurance doesn't have enough coverage for the accident, do I just make sure the coverage limit is higher than my net worth?

[autoxer]

I see other recommendations to set the limits to cover your total assets, which would be a much bigger number than just net worth. Is that necessary?

[thesimplemoneyblog]

It can sometimes make sense to do that depending on your current net worth and your earning potential as it's possible for them to garnish future wages in extreme circumstances, so just covering your net worth or even gross assets may not be sufficient.