If you have the Rhode Island state minimum requirements, you almost certainly don’t. Those minimum requirements are Bodily Injury of $25,000 per Person and $50,000 per Accident and Property Damage of $25,000.
Alternatively, you could carry $75,000 Combined Single Limit for Bodily Injury and Property Damage. Those limits were established over a quarter of a century ago and do not reflect the inflation that has occurred since then or the substantial expansion of lawsuits in more recent years.
And if you have any assets to protect, such as some equity in your home or car or some money in savings, you clearly need to carry more protection for those assets. These days, even a small accident can easily produce substantially higher medical bills than your $25,000 in protection will pay for. And that doesn’t even address lost wages or permanent injury.
Call you agent and find out what higher levels of coverage will cost you. You’ll find that it is more affordable than you think. Once you have higher limits of coverage, you may decide that adding more coverage with an Umbrella policy makes even more sense. You may well go for many, many years or even decades without needing that higher limit, but once you need it, it’s too late to add it.