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Well it's $50 additional on the Umbrella for $1m UIM coverage so it won't exactly follow the primary policy correct? Thanks

Got it - I took your advice and obtained a policy contract and thankfully found an insurer that seems like they cover liability worldwide Can somebody help me validate what Coverage B means - does it mean to say that the policy will cover me in the the underinsured person's country? So if I...

Folks - this is a very general question. I was talking to an umbrella policy company and asked if they cover auto liability worldwide and they said they do but filing has to be in the US. I asked why a European car accident would have its trial in the US if it's locals there involved and the...

I read through your posted passage a few times but am doubting myself if I understood it correctly. is it possible to dumb down perhaps 1-2 situations in which it's exempt vs non-exempt. Thank you!

stateirachart.pdf (thetaxadviser.com)

Folks - am I reading this public source accurately? Basically, all contributions Roth IRA are exempt and guarded from any liablity lawsuit I face as long as it's done 90 days before the lawsuit was filed in NYS? Thanks Additions to IRAs are not exempt from judgments if contributions were made...

Is there any accuracy in this statement below? Also do most attorneys avoid going after the defendant's personal belongings like home, bank accounts, etc if they carry a sufficient amount of Umbrella insurance When the plaintiff's attorney sees you have umbrella insurance, most of the times...

One more and I guess the answer is negative. Have you seen any Umbrella policy cover unlicensed/unbonded day laborers, for e.g. painter falling off? I found some online threads from 10 years ago stating their Umbrella policy covers them but the 2 brokers I've spoken to said Umbrella will only...

So if I choose to decline spousal coverage on my auto policy, I guess my Umbrella coverage would help with PIP correct in an accident? Also, to qualify for Umbrella insurance with many providers, many require 300/300k on bodily injury liability on the auto policy but no such minimum covergae...

Ok given the amount of time I spend with my spouse where either she or I are driving, don't you think it makes sense to include this coverage in our policy?

Looks like I'm able to switch to higher 300/500k limits for both BIL and UM for $200 more every 6 months which isn't bad. In fact, if I move my $100 deductible for collision & comprehensive to $2500, it cancels out the increase which I may do as $2500 is a small amount I can easily pay for. Past...

Guys - I'd like to confirm that Umbrella insurance typically won't cover anything that the primary home insurance wouldn't cover right? For e.g. if a painter who's not bonded and doesn't have worker's insurance (just someone who does side jobs) and falls off my roof, my umbrella insurance is...

Learning a lot here, far higher quality of posts than you can find on other boards. I really appreciate the time you folks took to write your posts 1) I never thought of insurance in this manner i.e. from above statement "The amount of insurance any given person should carry depends primarily...

Folks - Can anybody comment if this statement below makes sense? The thread was mostly based on coverage amounts i.e. whether one should take 100/300 which most people deem as sufficient or move to 250/500k + potentially umbrella policy. Remember this: the insurance company is putting up...

One of the attorneys I spoke to today said for couples with minor children, it's best to stick with a simple last will plan instead of revocable trust since it'll go to probate anyways for guardianship of the minor children. Is this accurate? He said look at revocable trust after the kids grow...

Folks - I'm using an employer-sponsored service to either create a last will or a trust and had some high level questions. Our situation is fairly straight forward with young kids, some passive real estate investments and retirement accounts. Btw we retire, we do expect 3-4m in assets incuding...

Folks - can someone explain what occurs when somebody doesn't have a health care proxy assigned and is a widow? Does the hospital take instructions from her son on the care to be provided in NYS? Thanks

I spoke to 2 local attorneys here and they said it's better if they write to my HR department instead of me going to the EEOC. They felt that if I simply go to the EEOC, my employer will think I'm not serious about suing them but at the same time, each of these attorneys want 3 hours labor...

yes never taken flu vaccine either. Just the vaccines that I took as a child which I had no control over

I've seen it but don't have documentation. But, can't an attorney or the equal opportunity commission ask my ex-employer to provide data on this person and their filings