Bentley’s run about $200,000. There’s a slim chance you may hit one, but if you did, would you be covered? The average car sold at the end of 2011 was around $31,000. If you have the minimum liability coverage of $25,000…….or even lower in a couple of states, you could be at risk of being under-insured, HEAVILY. In some instances, if you owe out-of-pocket, some insurance companies have requested to have the payee’s wages garnished. You may want to seriously think about reviewing your auto policy. According to Auto Data Corp., there is almost a 1 in 12 chance that if you cause an accident it could include a car that costs $56,000 or more new.