Jay, this is true as to the 10/20 but for third party property damage only. There is no B/i requirement. So in other words the state is more concerned about the car then your life.

I hear ya on the UN and under insured motorist, got the max on that and have an umbrella policy as well..

Found it odd that when your boat is hooked to the car the auto policy covers it, when sitting in the storage yard, the homeowners policy covers it, when it is on the water, the boat policy covers it... Needless to say, I have the max on all three..

Been sued before and I won, but it was not fun and it is a comfort to know I was covered should I have lost...

Red, you better check those policies. Most umbrellas are third party liability. As to the boat, there again liability and not first party for the boat while attached to the car. The HO for the boat is named peril and for stated contents limits which is usually $1,000.00.

Forrest
I-20 USA 645