The policy I have covers accidents and illnesses: $100 annual deductible, 90% reimbursement, no cap, chronic conditions covered, routine items that aren't accident/illness not covered.

I think tonight is my lucky/blessed night because coming to this section I know was not by accident.

Sad about his accident.   

State regulations about AirBnb rentals are in flux these days, plus your own insurance might not cover any accidents or damages.  

They wanted to partner with someone more experienced despite the promise from me that I would oversee their investments.What was also interesting was that in 2010, one of the male drop outs of the program met me by accident in a coffee shop.I asked him why did he leave the program.

I am starting out in Norristown kind of by accident.

It took me many years to change my mindset and realize stocks were ownership interests in businesses (business school helped, but I struggled with it in my classes).My second book on personal finance was Think and Grow Rich by Napoleon Hill, which I found by accident in the book rack at the supermarket (1970s).

, although personally I would be concerned about an agent's insurance covering the rental in case of an accident with a family in the car, availability of the rental, and the cost.

Have you noticed any shifting since the accident? 

Be aware that just like with car accidents, if you file with your insurance you will have a “ding” on your insurability for around 3 years.