You might also want to consider optional coverage such as loss of use coverage which will pay for a rental car if your vehicle is damaged in an accident. (carinsurancequote.net)
The minor injury cap does not limit other heads of damages such as loss of income, cost of care, loss of housekeeping capacity or out of pocket expenses. (camllp.com)
They then have access to $ 15,000 or more of coverage for personal property alone, as well as loss of use coverage. (effectivecoverage.com)