Medical Insurance Coverage Auto Insurance Coverage -- How Much Liability And Medical?

Auto Insurance coverage -- How much Liability and Medical? - medical insurance coverage

I have some questions about auto insurance. In other words, what is the optimal level of liability and medical coverage to choose. 1) for the responsibilities, I know it is good, the best of the responsibility that we can afford to maintain their assets to cover too. But what if it roofing. For example, if there is a limit of insurance of $ 2 million liability limit for the car Insuarance $ 300,000 or 500,000 U.S. dollars, it makes sense to select the 500,000 U.S. dollars, or is it better to choose the threshold to $ 300,000 and umbrella coverage kicks in? 2) for the medical care is redundant and unnecessary because the liability would also cover medical costs to? Or is it advisable to ask them, for example, if a passenger is not insured (uninsured), so that medical care in this case?

Thank you.