State minimums are too low. I carry a shit-ton of insurance. If you're in the tech biz and have a fat 401k, you should be thinking about umbrella liability as

State minimums are too low. I carry a shit-ton of insurance. If you're in the tech biz and have a fat 401k, you should be thinking about umbrella liability as well. At a minimum, drop the extra $50 to max out uninsured motorist and medical payments coverage. A friend's wife was hit while walking by a dude about to retire. She's on her 12th surgery, and has been inpatient for almost 3 months his $50k limit was exhausted in days. Dude isn't gonna be retiring by the time the lawyers are done.