No doubt. Guys...if you have
any assets at all, pony-up for better coverage. When you t-bone a Tesla tomorrow and your $25K of coverage is paid out to cover $50K of damages, guess who's going to get sued for the difference?
If you live in your parent's basement and your only asset is your iPhone, you may be OK. But if you've got equity in a house, savings, etc...then talk to your insurance agent about more substantial coverage.