Different states require different basic/minimum amounts.

In these days of tough economics, it's often common for people to "drive naked" or with the minimum amount of insurance required to register the car. That makes it even more important for people to have UIM (Under Insured Motorist) and UM (Uninsured Motorist) coverage. There's a good chance that if you're seriously injured by someone in an accident, they may not have sufficient insurance.