Jim K.

I too have an umbrella policy that kicks in after the limits are reached on the basic policies. I have a 1,000,000 policy for funeral home vehicles, libility, malpractice, etc. with the umbrella after that. As I recall, the difference between 500,000 and 1,000,000 was just a few dollars so I went with a higher basic policy to save on the umbrella policy.

When it came time to insure the bus I stayed with the same philosophy.

Jim C.

As for the hearse toad, I have kept quiet about it. Last summer when I mentioned it, the Bling contest was underway and I was a newcommer to POG so I did not want to take any of the shine away from the veterans who were fighting for this coveted award.