Well, at least you have State Farm - they are a bit more expensive, but worth it. I have several relatives who work for them, in fact - one is an agent, and a couple others work at their HQ in Illinios. And their lawyers are worth the extra money you pay every year over the crud you get at those brokers. Everyone is all about saving money and so on, and the truth is that the 4-5 big fish out there are worth it when it gets into legal stuff.
Sorry bout the dog.
This is why I always have insurance for every possible option known to man, since 1/3 of California drivers don't have adequate insurance, if any at all. It's also why I have 200K coverage on myself in case I hit someone else. The minimum $25K doesn't cover a new Camry, let alone if you hit a Porsche.
