Paul Haddad 
LPT: US folks, look into getting yourself a Personal Umbrella Policy. Covers a bunch of the “oops something bad happened and now we're getting sued" scenarios, specially something like a bad car accident. It's a relative cheap and easy to add piece of mind policy.
https://www.nerdwallet.com/article/insurance/umbrella-insurance
Umbrella Insurance: How It Works & What It Covers - NerdWallet

Umbrella insurance is coverage beyond the liability limits on your existing policies. Discover what it costs and whether it’s right for you.

NerdWallet
May 5, 2023 at 7:42pmWeb
Show thread🔪Elm Street Victim🔪May 5, 2023
@paul do you have one of these?
Show threadTodd Thomas May 5, 2023
@paul TIL: LPT
Show threadgh0sti May 5, 2023
@todd @paul ELI5?
Show threadTodd Thomas May 6, 2023
@gh0sti well each letter represents the start of a word. Sometimes the letters can have multiple meanings so you have to look it up on the internet and take a guess at which one the author intended to use. In this case it likely means ‘life pro tip’.
Show threadLeon CowleMay 5, 2023
@todd @paul Ditto
Show threadSophia May 6, 2023
@todd @paul yep, Lotsa Poo Today so you need some insurance
Show threadNick MessickMay 5, 2023
@paul Yeah, like $300 a year for $2M if you already have home owners insurance.
Show threadsashk 🇺🇦May 5, 2023
@paul am I old, that LPT for me is Line Printer Terminal, and not Life Pro Tip?
Show threadJon MaddoxMay 6, 2023
@paul super important, but the only gotcha with them is that you’re usually forced to max out coverage on other things first. It’s good to know.