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 - George's Fordson Major - by Anthony West (UK). This is a bit of a technical info to add on to the article about George's Major in the "A Towny Goes Plowing" article. George bought his Major from a an implement sale about 18 years ago for £200.00. There is no known history regarding its origins or what service it had done, but the following work was undertaken by Harold alone to bring it up to show standard. From the engine number, it was found that the major was produced late 19
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