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Several states are considering raising the minimum amount of liability car insurance required. Most states currently require a minimum of $20,000 in liability insurance with some lower and some higher. Higher limits mean higher premiums. With the recession still in full swing and unemployment still rising, I think the states are making a big mistake. Their intent is to provide more insurance coverage to those injured in auto accidents. But I think it will do the opposite. If the state raise limits, the higher premiums required for those limits will cause some drivers to drop their insurance all together. Therefore, I think the end result of raising the minimum limits will be to increase the number of uninsured drivers.