On Tue, 17 Jul 2007 10:57:43 -0000, thunder
wrote:

;.On Tue, 17 Jul 2007 06:30:40 -0400, JimH wrote:


Why should the insurance company extend *liability* coverage to a 3rd
party?

Ask State Farm, they had been doing it. It seems the OP's umbrella just became a parasol.

Well, it doesn't surprise me.

State Farm took a big hit with Katrina and Rita - they have to make
their money somehow.

Oddly, we've been with the same insurance company for - damn, upteen
zillion years (over thirty anyway) and our insurance even went down
last year. Our policy, including umbrella, costs us less now than it
originally did and our net worth, including real estate, boats and
cars is about ten times what it was originally and the policies cover
more than they did originally.

Mrs. Wave even has a seperate ultra high value
liability/omission/comission rider because she goes a lot of
different places with students in her car as part of her profession.

If I were the original poster, I'd start looking around for a
different agent and insurer - State Farm sucks anyway. Good hands my
ass.

And as long as we're on the subject of boats and insurance, don't buy
Progressive boat insurance - talk about a rip off. A friend of my
oldest had Progressive and the boat was whacked in a parking lot. Some
fiberglass damage. Progressive made them take the boat to an auto
body shop that did fiberglass work instead of a boat repair facility.

Think about that one for a while. :)