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Old 05-24-2017, 12:01 PM   #15
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Join Date: Aug 2005
Location: Sanford NC
Posts: 2,600
I worry about the limits you guys are citing.

I have a friend who showed me his $1.2 million hospital bill and his $50k medivac helicopter ride. That didn't include a year of post-op recovery.

Could have been several people some insurance company was needing to pay for. And at the insurance limit, they send you the bill. I insure for things I can't cover out of my net-worth. My insurance limits are thus more than a little bit higher.

Now put several cars, some of them high end, into the accident scenario and I figure I need the cost of several high end cars. The Porsche I had super high deductibles on. I could afford another one. But not a Benz and a F-car.

If the auto insurance won't cover those limits, then a personal rider which rides on top of your other insurance (house, personal liability, auto) is a possibility.
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