I have three: 87-740,91-240,90-240. I carry liability only on all three. I feel if they hit me, its covered. If I hit them, and my cars totaled, off to the junkers it goes. Either way , if its not covered, either I fix it, or junk it. Its not rocket science.
However, I suggest you find a web site that gives a thorough explaination of the various ways you could be insured, risks you might be exposed to, and educate yourself. Then determine what your needs are, and check the policy and make sure you're covered. This goes especially for anyone who has lots of assets(lots of money property, etc).

LS