Kidding about liability insurance? No...I'm not. But, I don't care what others do. I simply presented a company which will cover you per occurrence which is unusual. I guess we waste thousands & thousands of dollars personally, annually on insurance & never use it. Some is required by law, some by landlords. I know it adds up to millions & millions in my lifetime thus far. Have never-ever used it......yet. Have never-ever used my health insurance either. I'm not sure that "knowing the rules" protects anyone from accidents. We even have local "tractor rides" that require the participant to present proof of liability insurance. I don't know how they handle self-insured particpants. |