Quote:
Originally Posted by ElDiabloJoe
Consider adding an umbrella policy to your auto insurance. I added $1Million for about $100/year. Let me tell you why that is a good idea. Most auto policies have $50,000 medical coverage (injury). That will be used up by you or the other driver in about 2 days. It will be used up in hours if there are multiple occupants of either car. Hell, an ambulance ride eats about 10% of that and you're not even at the hospital yet.
So what, I pay 13 months of auto insurance every 12 months, I pay an extra $100 a year for a million dollars additional coverage. That's my recommendation.
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Was in the insurance biz. Umbrella coverage pays for damages OVER an existing policy limit. Do not know of any umbrella policy which will pay for damages if there is not ANY coverage for the cart. OP needs to check with a professional on this question.