Adam

I mean, it actually came out of listening to your podcast episode about insurance in general. And while I was listening, I realized, hey, maybe I should check in with my insurance because I like to do that every year or two. And it started when you were talking about things that you can adjust and collision insurance and being responsible for other people's bills if you were to get in an accident.

I mean, it actually came out of listening to your podcast episode about insurance in general. And while I was listening, I realized, hey, maybe I should check in with my insurance because I like to do that every year or two. And it started when you were talking about things that you can adjust and collision insurance and being responsible for other people's bills if you were to get in an accident.

And then... You went on to talk about umbrella insurance, which I had, but I realized my net worth has gone up over the last 10, 15 years since I got it. I decided to go from 1 million to 2 million coverage. But then in doing so, I'm realizing, well, does that then cover any extra cost if my car insurance doesn't cover for collision? My question that I posed to you over email was,

And then... You went on to talk about umbrella insurance, which I had, but I realized my net worth has gone up over the last 10, 15 years since I got it. I decided to go from 1 million to 2 million coverage. But then in doing so, I'm realizing, well, does that then cover any extra cost if my car insurance doesn't cover for collision? My question that I posed to you over email was,

And then... You went on to talk about umbrella insurance, which I had, but I realized my net worth has gone up over the last 10, 15 years since I got it. I decided to go from 1 million to 2 million coverage. But then in doing so, I'm realizing, well, does that then cover any extra cost if my car insurance doesn't cover for collision? My question that I posed to you over email was,

Would it make sense to just lower my collision coverage if I have a higher umbrella insurance coverage because any spillover will just go into my umbrella anyway?

Would it make sense to just lower my collision coverage if I have a higher umbrella insurance coverage because any spillover will just go into my umbrella anyway?

Would it make sense to just lower my collision coverage if I have a higher umbrella insurance coverage because any spillover will just go into my umbrella anyway?

I have. Well, and actually, I felt quite fortunate because my new wife is part of USAA. Oh, great. So... I look at things like consumer reports, and it's always one of the top-rated ones. And then doing some research into their website and looking at their rates, et cetera, and consumer service, I realized it would be a great option.

I have. Well, and actually, I felt quite fortunate because my new wife is part of USAA. Oh, great. So... I look at things like consumer reports, and it's always one of the top-rated ones. And then doing some research into their website and looking at their rates, et cetera, and consumer service, I realized it would be a great option.

I have. Well, and actually, I felt quite fortunate because my new wife is part of USAA. Oh, great. So... I look at things like consumer reports, and it's always one of the top-rated ones. And then doing some research into their website and looking at their rates, et cetera, and consumer service, I realized it would be a great option.

And so I switched over to them recently after having some comparisons. And they actually have a good tool online too, for if you want to make this one change, how would it affect your rates? And so I certainly played around a little bit with a hundred, 300,000 coverage versus 300, 500.

And so I switched over to them recently after having some comparisons. And they actually have a good tool online too, for if you want to make this one change, how would it affect your rates? And so I certainly played around a little bit with a hundred, 300,000 coverage versus 300, 500.

And so I switched over to them recently after having some comparisons. And they actually have a good tool online too, for if you want to make this one change, how would it affect your rates? And so I certainly played around a little bit with a hundred, 300,000 coverage versus 300, 500.

I did not know about that gap coverage and I guess potentially, I don't know that it makes a huge difference, but I could check with them to see, Hey, what's that minimum that I would have to keep.

I did not know about that gap coverage and I guess potentially, I don't know that it makes a huge difference, but I could check with them to see, Hey, what's that minimum that I would have to keep.

I did not know about that gap coverage and I guess potentially, I don't know that it makes a huge difference, but I could check with them to see, Hey, what's that minimum that I would have to keep.

Actually, six months prior, I had shopped around and stayed with Geico. I had looked at Geico. I think I looked at Amica just because of their good reputation and at least one other company. And Geico was still the best deal for me. And I had had one fairly small claim with them. It had gone smoothly. So I figured, hey, I'll stay with them.

Actually, six months prior, I had shopped around and stayed with Geico. I had looked at Geico. I think I looked at Amica just because of their good reputation and at least one other company. And Geico was still the best deal for me. And I had had one fairly small claim with them. It had gone smoothly. So I figured, hey, I'll stay with them.

Actually, six months prior, I had shopped around and stayed with Geico. I had looked at Geico. I think I looked at Amica just because of their good reputation and at least one other company. And Geico was still the best deal for me. And I had had one fairly small claim with them. It had gone smoothly. So I figured, hey, I'll stay with them.