Phaedrus-MMVI

One reason could possibly be confirmed if you were to contact BasinBum ( I think you may know him as Richard D.) and ask him to relay the particulars of an incident where coverage was reportedly, by Richard himself, limited to only $25,000 for an accident between two members that he knows personally and report back hear what you find out.

I think we all would be interested in the results of that incident. If you don't really care don't ask and don't tell.