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 - Product Review: JB Weld - by Staff. JB Weld is basically an epoxy glue that does an exceptionally good job of bonding to cast iron and steel along with several other materials. As I mentioned, it is so common that I have yet to buy a tractor that did not have JB Weld used somewhere. It is sometimes used so well you can't tell its there and other times used as a sloppy quick fix. Finding where and how it can be used correctly is key to whether you are using it as an "inelegant hack" or an integral solution to difficult and expens
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