As an insurance professional I regret that insurance is complicated, but it has grown to be complicated through years of litigation and the evolution of our lifestyles. This article may discourage pricing alternatives and even dangerously simplifies a number of essential coverage decisions and implies that only an educated, sefl-interested consumer can navigate these issues. Unfortunately, that is not the case. If Hulk Hogan's current lawsuit against his former attorney is any indication, all consumers need the help of a competent professional insurance agent or broker to wade through all of these issues and get pricing alternatives to make well reasoned decisions. Every consumer should shop their insurance more often than they do, some coverage should be reduced and eliminated, other coverage should be added. In our zeal to reduce premium, we may overlook our need and the value of such important coverage enhancements as Uninsured Motorists/Underinsured Motorists coverage and a Personal Umbrella. Carefully look at your coverage, but do so with the help and guidance of one or more insurance professional to guide you through your options.