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Always consider the coverage per person rather than the total liability. For example, a company might sell you a 300,000 dollar liable insurance from car insurance companies - online car insurance. But it may feature only 100,000 dollars per each person injured. So, if you or a family member injures someone and has a 200,000 dollar lawsuit filed against, you will have to pay the remaining money. Lesson here is to pay attention to details, as they may cost much more later.