我應該購買多少輛汽車保險？
我應該購買多少輛汽車保險？
 Often this question is approached by, how much can you afford? I would like you to think of it as, How much can you afford to lose. I have been driving over 50 years. I have had one minor fender bender 46 years ago. Had I never purchased insurance (in California I have the option of posting a bond or cash) I would have saved approximately $90,000. However, a recent accident involving a pedestrian struck in a cross walk resulted in a settlement of over $750,000. I couldnt have afforded the settlement, so I paid the premiums. What can you afford to lose? Buy the insurance that will protect you from those amounts that you cannot afford to lose. If you can qualify for an umbrella consider limits in the $1-2 million range. In our lawsuit happy society that is not being overly cautious.
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