Limits of $10,000 on medical and $10,000 property damage is hardly any coverage at all. If you have any assets, or a good income, and you cause an accident, when your limits are reached, the injured, along with the injured's lawyer, could become the new owner of your assets, and you will be working for him when your check is garnished to pay his medical costs, or his property damage.
Recently I've heard several accounts of that happening in automobile accidents where the person at fault only had $100,000 per person, $300,000 per accident medical coverage. Many recommend carrying a minimum of $250,000 per person, $500,000 per accident, unless you don't own anything, and don't work. It's also highly recommended that you carry $250,000 and $500,000 on underinsured, and uninsured motorist to cover your own medical costs, if someone injures you in an accident that doesn't have insureance, or has a low limit for liability. $100,000 runs out quickly paying for medical costs when surgeries are involved, and you could end up paying out of your pocket.
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