謝老貓，好像不是那個。我GOOGLE了一下

有一篇文章裏這樣說的：
How much coverage you need is a function of what assets you have to protect. If you make $30,000 a year and rent your apartment, $50,000/$100,000 should suffice. But if you make more than $75,000 a year, own a house worth $150,000 and have $40,000 in mutual funds, you should consider at least $100,000/$300,000 of coverage. Our Net Worth Calculator can help you estimate just how much coverage you should get.



LINK在這裏：http://www.smartmoney.com/personal-finance/insurance/how-much-auto-insurance-do-you-need-10731/