[BarTopDancer]

I know you want to deal with him as little as possible. If something happens in his car he has to deal with the cheap ass company. If it happens in your car you get to deal with AAA. I'd probably check and see how that umbrella policy works first, only if she is in your car or does it cover if she is in his too.

OR you could use this to suggest an 70%/30% or 80/20 "formal" agreement so only you have to cover her and save him even more money! She's at your house more than 50% anyway...