Today's mail brought for you, and I placed under the camel,
a check for a consultation fee of $1500 from Policy Analysis Inc.
of Brookline.

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With the renewal of my automobile insurance for 2011, I dropped
"optional coverage for damage to someone else's property"
from $100000 to the statutory requirement of $5000.
I also  dropped "Optional Bodily Injury coverage in the
amount of $100000 per person, $300000 per accident,
and am now "protected" by the statutory required limits
of $20000 per person, $40000 per accident. The change reduced
the annual premium for the four cars from $993.86 to $728.00.

Since I own no real estate and all my liquid assets are
in IRA and Keogh retirement plans, which pursuant to the
most recent decisions of which I am aware, are not within
the reach of creditors, I consider myself judgment proof,
and as such, in a strong position to negotiate with the lawyers
of an hypothetical plaintiff.

I raise the question because of my responsibility to you and 
to Rebekah, Nathaniel and Benjamin who occasionally drive one
of my cars. You and the children are not "judgment proof", 
and one should review the insurance coverage, if any, that you
and/or the children receive from Laura's policy on which all of
you are presumably listed. Even more important, the umbrella policy,
if you still own it, which presumably would cover excess liability
above a certain threshold.  Perhaps it would be advantageous for us
to treat the umbrella policy as having a high deductible, a risk
which we could afford to take ourselves if the umbrella policy
permitted such self insurance.  Alternatively, I would, of course,
be ready to purchase any insurance limits you consider desirable.
Arguably the green car and the Nantucket car would require minimal
coverage so long as they are driven only by myself.

These considerations can wait until the end of the week - if not
longer.  This e-mail is intended not to pressure you for a decision,
but to relieve me of the need to remember.