The Importance of a Personal Umbrella Policy

Distractions while driving can occur everyday and seem to be everywhere; this can include text messages, phone calls, a quick meal on the road, all of which interrupts a driver’s attention.  Have you thought, “What would happen if a distracted driver caused a serious accident?  Would their insurance be enough to cover all damages and injuries?”  The answer is more than likely “no.”

Obtaining additional coverage for accidents caused by uninsured or underinsured motorist has become crucial.  Excess Uninsured/Underinsured (UM) Motorist coverage is available as part of a Personal Umbrella Policy.  Umbrella Liability provides protection from civil suits as a result of your actions. The Excess UM coverage provides coverage for you and members of your household, if the other party is at fault and does not have enough liability coverage to pay for injuries and damages.  UM coverage also provides coverage for you as a pedestrian or bicyclist.