In theory, it covers all liabilities, after using
your car and home insurance. Depending on how much you want to cover, $1million, $2m, or more, the price is different. It is not that expensive. ($200~$300 per year for $1m.) However, my insurance company asks me to bump up my car insurance to highest level. You want to call your insurance company for details.
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• thanks again! -richland- ♀ (0 bytes) () 11/09/2007 postreply 09:40:17