A. A waiver like that is worth almost as much as the paper it's signed on. Any halfway decent attorney could dance around that.

B. There's no point in suing the State of California because they haven't got any money. And even if they won, CA would just give them an IOU. And their attorney would want to be paid in legal tender NOW.

C. If you're killed in the disaster, YOU aren't going to collect much. If you want to kill yourself so your family can collect, make a plan and make it look accidental so the insurance company won't fuss. If you're just stupid, you end up on the Darwin Award site as an example of poor breeding.

Sue