No. of Recommendations: 1
Would your liability insurance cover accidentally running over the neighbor's 3-year-old kid while backing out of the driveway, and turning her into a quadriplegic that requires a lifetime of expensive medical care?

Because we have teenage drivers in the house, we’ve recently added an umbrella liability policy on top of the regular auto insurance. About $50 a month buys $2M of insurance and a great deal of peace of mind. This covers the teenagers as well.


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