Originally Posted by
spanky
Personally the only time I'd ever have liability only is if I knew, without a doubt, that I could afford to cut a check to replace the vehicle if I was at fault and totaled it.
I have 10k/20k/10k, iirc. Could be more, I don't know for sure. We pay ~200/mo for my truck and the wife's versa.
Thats another thing I was thinking about, if the car gets totalled (or even damaged), I can't guarantee I'll have the money to fix it.