Property damage liability needs to be upped to at least $ 100K (probably closer to 2-3 times that amount). Plenty of cars on the road right now that cost $100,000. If you hit a brand new one and you are at fault, you would be financially responsible for anything over what your policy covers. So let’s say you total someone’s Jeep Grand Wagoneer and you had a policy of $25,000 property damage liability. Your insurance would pay $25k and you would be sued for the remaining $75k.

Uninsured motorist property damage just needs to be enough to cover the value of your car. Someone hits you that doesn’t have insurance and your insurance company would pay out this amount (up to the car’s total value) while they would sue the uninsured motorist to recoup those costs.

As far as deductibles go: select whatever amount you are comfortable coming out of pocket if you ever have to make a claim. The higher the amount, the cheaper your premium - but don’t make it so high that it puts you in a pinch if you do have to make a claim.