I am an officer in a hiking club. We have a liability waiver... usual stuff pertaining to dangers of

[3Hotdogs]

hiking. Including, "You are responsible for yourself."

Now comes covid. Does it make sense to add to the liability waiver? Do they ever protect anyone against anything?

Personally, I have an umbrella policy attached to my renters policy. I am also judgement proof since I have no assets.

[Tetrachloride]

1. My bet: zero consensus

[ret5hd]

2. Off topic, but I'm curious...

Being judgement proof (no assets) why the umbrella policy?

[3Hotdogs]

3. Protecting other people, should I ever cause a serious car accident.

If I ever seriously hurt someone, the standard policy will not cover the cost of their injuries.

Maybe I'm pissing money away on that...

[marble falls]

4. No, you're not.

[3Hotdogs]

5. I feel this is more of an issue for me. I drive 50 -60k miles per year...... and

I'm getting older. (no shit, considering the alternative).

I figure I've driven about 2.2 million miles since I got my license. Mostly sales jobs.


No accidents that I caused. I was indemnified for the minor accidents that were caused by others.

[marble falls]

6. Keep the insurance. You've not only had skill and luck, so did everybody else you've ...

... been on the road with. Luck is an illusion. Insurance is real.