Insurance requirements vary from state to state. The state of Arkansas requires 25/50/25. This being $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident and $25,000 for injury to or destruction of property of others in any one accident. $25,000 is not adequate to pay for lots of vehicles if they're a total loss. $25,000 would be a mere drop in the bucket for a serious injury.
We carry 50/100/50.

We have full coverage.

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I used to sell private lines insurance and since that time I have maintained 100/300/100 limits with an additional 10000 in medical coverage/person and under/uninsured motorist coverages of 100/300 limits. I witnessed too many problems with not enough coverage. I also have extra coverage under my homeowners insurance for liability.

I understand full coverage. We also have liability, property damage, comprehensive and collision coverages.
But, what are your limits of liability? The customer is the one to choose those limits. Some people carry only what is required by the state they live in. Others, like myself, choose higher limits. We have different deductibles on each vehicle. Both vehicles have $100 deductible on comprehensive and one vehicle has $250 deductible on collision and the other has $500 deductible.
Last week I had a rock chip on my windshield. I called the insurance company to tell them I was calling Novus to repair the chip. The young lady evidently hadn't been employed by the insurance company very long. She was totally clueless when I was confused when she told me there was a $100 deductible on my comprehensive coverage. I knew that I had a deductible. However, State Farm used to pay for rock chip repairs in full since the cost was only $50. I called Novus to repair the windshield and asked the man about State Farm paying in full. He just laughs and said yeah, they quit that about 2 yrs ago. Bummer....
Novus charged only $45 since it wasn't a big chip.

We learned this lesson the hard way with DD. She was in a 4 car accident where everyone had "injuries". She was the last car so she was charged. All 3 of the people that had "injuries" wanted $10,000 each. We carried only 10/20 which is the minimum here in FL. Luckily it was all settled but we thought we might get sued for the difference.

Lets just say we've increased our coverages considerably!

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I agree these min. amounts don't really come close to being enough. Once we had a teenager driving we went to 500/500. We did that in the hopes that if he did get in an accident they didn't sue and take our home. Now that he has his own policy we have kept these same rates for peace of mind. Now he has min. coverage and it may be only 15/30 but I'm not sure.

Oh yes, we also have higher limits on our HO liability.
I worked in insurance many, many years ago. However, the lessons learned are still the same.

Fortunately we've used our HO liability only once. My dad and DH were trimming limbs on the Bradford by the double driveway. Dad was parked on the opposite side of the driveway that the tree was on. I was standing there watching, a short limb dropped onto the driveway, bounced and knicked the side of Dad's truck. Our HO liability paid for repairs in full and there's no deductible on liability coverages.

I think we are covered up to $50,000 and our deductible is $1000.

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The political system is broke and it's a joke.

It's good to make sure that your UM/UIM limits are as high as your liability limits because UM/UIM is what protects you if someone else causes the accident and doesn't have enough insurance to cover your damages. Many people opt for lower UM/UIM -- it doesn't save much and it can be very costly in the end.

It's also good to take a reasonably high amount on your medical expense coverage, especially if you don't have health insurance.