How much auto insurance do I really need?
As much as possible. --Bodily injury is the most important. In the event you are determined to be at-fault for an accident, this is the coverage that will compensate the other party for their injuries (should they be injured). This coverage has a per person and per occurrence limit. For example, if you rear ended a car with 4 people in it and they were all injured, and you carried $50,000 per person/$100,000 per occurrence, your insurance company would pay up to $50, 000 per person but no more than $100,000 in total for all persons injured. So if all four passengers have injuries totaling $50,000, you would be responsible for coming up with the remaining $100,000. Your wages could be garnished and you could loose your assets.--A general rule of thumb is to get the highest liability coverages possible. I currently carry $500,000/$100,000 for bodily injury.--Another important coverage is property damage coverage. At the minimum, I recommend $50,000 as your limit. Should you rear end another vehicle, pushing that vehicle into another which is then pushed into an intersection where a passing vehicle collides with it, less than $50, ooo might not cover all of the vehicles.
Will we be with our loved ones after we die?
It really would be wonderful.As a child I went to church and Sunday School. Got my first bible from my grandmother on my 7th birthday after memorizing the first part of Genesis and was so very happy. I still have that bible today and I am 55. Only difference is , I no longer am religious. I did read that bible front to back hundreds of times , word for word over the years. In Sunday School we were taught that one day we would meet up again with passed family and be able to sit in a park having a picnic with lions, tigers and bears around and nothing would happen since everything was at peace. Never found any of that in the bible though. What I did find the bible to say in the New Testament was that when all that heaven stuff comes about people dead or alive will no longer be of any shape or sex. Everyone will be a light , I guess a soul and spend every second praising god. There will be no picnics in the park with loved ones who have died.You see with your eyes and your eyes only see if you are alive. Once we are dead our bodies rot away . If our energy inside us which some call our soul could see then there would be no blind people on the planet because their souls would see for them.As long as you are alive and hold on to your wonderful thoughts of your dad he will be with you.I hope I am wrong about the above and people are able to see their dead family when they die but I rather doubt it happening.