insurance company finds out and you have a bad accident, you're out of luck and there won't be coverage with regard to that. secondly, buy the umbrella or excess coverage. you can get it for another $100 or $200. if you're buying $25,000 or $50,000 in liability insurance, you can buy another $100,000, $300,000 or another million dollars in coverage for several hundred dollars and protect you and your family and your home from an accident that could cause sometimes a judgment to exceed even the value of your home. >> your home could be taken away. >> your home could be taken by liens and salary could be garnished and like that. if you're leasing this 2012 camaro from eagle chevrolet in riverhead, new york. make sure their name is the additional insured on the insurance policy meaning they're covered as well because most leases demand that. so people don't do that.