Umbrella policies being gutted by State Farm

I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my boat was running, and I let a friend drive it, no coverage. (Yes, I
know that my "underlying" car - or boat - insurance would cover them up
to the limits of that policy, but those limits are only enough to pay
for a stubbed toe.)

I called my agent and she seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

But I am writing this post because I think that a lot of other people
will fail to read the "Important Notice," will simply write the check
like they do every other year, and will end up with a big gap in their
coverage. So, look out! And warn your friends.

Ham