re: How much auto insurance coverage you baw carrying?

250/500 plus a million umbrella, all with UM.

quote:

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If you're not a shitty driver the minimum state limits should br fine.

Just make sure to carry UM in case an a-hole without insurance hits you.

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Coverage has nothing to do with how good of a driver you are, it has to do with what kind of assets you have that you want to protect. If you’re a broke dick, then state minimum is fine. If you’ve got a bank account or savings, you should increase your limits Monday morning so you aren’t risking everything you’ve worked and saved for.

Also, if you only carry minimum, then your UM coverage is also minimum so you could be screwing your self on that too.

Baw baw baw baw baw baw baw.....baw







Baw

$500K liability limit plus $2 million umbrella. My UM is for economic damages only and is much cheaper than the expanded UM that covers for "non economic" damages like pain and suffering. I don't see me or any or my passengers needing any non economic damage coverage. It does cover medical payments, lost wages, property losses ect.

I may up my umbrella. Presently Geico is charging me about $1500 a year for the umbrella and my auto is about $2000 per year. My homeowners and boat liability insurance are with different companies but the umbrella applies to all my liabilities regardless of which company has the underlying insurance.