answer:PrancingUrchin, I don’t know. What I do know is if you have kids under 18—you shouldn’t get one…unless you really reallly reallllllllllllly up your insurance because I’ve worked at many a ER’s——and there is just no protection, none at all, between you and that other stupid motorist. I just had a friend, mother of 4 kids under 12, die last week. Think about it…