Your states rules may vary but in a nutshell, there is no way to 100 percent protect yourself. You can only protect yourself up to the limit of the coverage. If you have 4 million in assets and a 4 million dollar policy and lose an 8 million dollar judgement you still lose everything. With that said, most attorneys will try to settle within the limits of your policy.
As of now, you've got 5000 to cover incidentals and 500,000 to cover any liability. Thats pretty decent coverage unless somebody dies or suffers a perminant disability. I've been on both sides of this a defendant in a civil suit that went all the way to jury verdict (I prevailed) and a plaintiff. My significant other is also an ins adjuster. For routine stuff as long as you arent in business and meet AZ laws you should be well covered. If you get an umbrella policy (I have one, 5 million, but its cheaper than workers comp and KY gives me the option for farm labor) be sure and read the fine print.
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Today's Featured Article - Chores - by Frank Young. The ceaseless passing of time! It is at once our friend and our enemy. It measures our progress and it makes us old. Like most features of our life, few things are all good or all bad, and most such judgments depend on our own perspective or viewpoint. In our particular hobby, we enjoy the nostalgic return to the days of our youth as we recreate many of the scenes that took place on the family farm that served as the stage for the first few acts of the play that is our live
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