Let’s face it, we live in a litigious society. These days it is vital to carry extra coverage above liability limits to protect your assets and potential earnings and inheritances if you are sued.

Example 1:

One fall afternoon, you rake the leaves out into the road and it rains the next morning.

A car hits the leaves and skids, leaving the driver seriously injured for the rest of his life. The driver sues you for a million dollars. Generally, most homeowner policies have limits of up to $500,000. Personal Umbrella coverage would cover the remainder. That is why we always recommend additional umbrella coverage.

Example 2:

An icy February morning. You are driving to work, your cell phone rings, just as your car skids on a patch of ice. Your car veers and you hit a pedestrian seriously injuring him. In most auto accident cases involving serious injury, where the driver is found negligent, suits are rarely less than $1 million.