The value of assets may help determine the amount of coverage. If you do not have enough insurance to cover your assets, then a person may go after your own personnel assets to cover the injuries you caused. Uninsured/under-insured coverage which is not mandatory may also be part of this equation. This type of coverage protects you in the event that the person who caused the accident either did not have any liability insurance(uninsured) or did not have enough insurance to cover your damages(under-insured). Under this situation, you would be able to make a claim under you own automobile insurance company. Make sure you cover all of these issues with your insurance agent before taking out an automobile policy.