Umbrella insurance

Umbrella Policy Coverage In Michigan : Why You Need It

Umbrella Policy Coverage In Michigan: Why You Need It Umbrella policy coverage in Michigan protects your personal assets from being taken. If you cause a serious injury car accident, it provides extra protection, often at a very low additional price. As a result of the new changes to Michigan’s auto No-Fault insurance law that took effect on July 2, 2020, all drivers now face significantly increased liability risk if they cause a serious car accident. The biggest change is that an “at-fault” driver can now be sued for “excess” medical expenses. “Excess” medical expenses are the additional car accident-related medical bills that used to be covered under Michigan’s old unlimited PIP but now...

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Umbrella Insurance - Guide Insurance Services, Inc.

Especially when it comes to unexpected accidents or claims… What is Umbrella Insurance? You never know when it might rain. So just like the name implies, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers, and unforeseeable mishaps. Umbrella insurance is a form of liability insurance, therefore it does not cover: Your own medical expenses. However, what exactly is covered by your umbrella policy depends on how you decide to set it up. In most cases, umbrella insurance protects you from: Injuries you cause in a car accident Injuries someone suffers on your property Property damage you cause in an accident Property damage your...

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An Overview of Umbrella Insurance

Buying Umbrella Insurance is a Little Like Laying Up at the 1999 British Open Umbrella insurance is to the average retiree what laying-up would have been to Jean Van de Velde at the 1999 British Open. Van de Velde’s gaffe on the final hole was remarkable, and if you watched it live, you may even cringe at the remembrance. Ahead by three strokes, his aggressive tee shot averted danger with a lucky bounce. Instead of electing to play two relatively easy, short iron shots into a very difficult 18th green, he attempted to reach the green with a two iron over water – one of the most difficult shots in golf. Holding a three shot lead, Van de Velde had no reason to play aggressively. The winner...

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Umbrella Insurance 101

You may have heard the term before, but you might be asking yourself “What is umbrella insurance?” An umbrella policy is extra protection that goes above and beyond your normal limits of coverage when it comes to liability. Umbrella policies can offer additional coverage for things like: Legal fees and litigation Excessive property damage Other personal liability situations Adding an umbrella policy to your insurance portfolio is a relatively cheap way to give your family incredible protection in the event of a sudden and serious situation. Just like an actual umbrella that provides protection and coverage against rainy days, an umbrella policy is designed to provide additional...

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What is Umbrella Insurance and How Does it Work?, Money

Umbrella insurance is a personal liability policy that adds excess liability coverage if you’re found liable for property damage or bodily injury, and the costs exceed the limits of your existing car insurance, homeowners insurance, boat insurance, or even your renter’s insurance. It’s an added safety net for individuals that have a high chance of being sued or those who wish to protect high-value assets. Find out everything you need to know about umbrella coverage, how it works, and who needs it below. How Does Umbrella Insurance Work? Personal umbrella insurance works by expanding your liability coverage in two ways. Most policies increase liability coverage amount to $1...

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Do You Need Umbrella Insurance?

One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could result in a multi-car accident. And you could be held liable to others for the cost of damages – injuries, property destruction, emotional distress, lost wages and more. Good thing you have insurance. But, wait, your policy covers $300,000 of liability, and, in a lawsuit, you’re judged liable for $1 million. That leaves $700,000 left to pay. How will you cover it? If you have umbrella insurance and your policy covers the incident, the additional $700,000 will come from your...

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What physicians should know about umbrella insurance

What physicians should know about umbrella insurance Asset protection is a term that gets tossed around quite a bit when we discuss how long and difficult the journey is for doctors to establish their careers. You always want to protect what you’ve worked hard for, right? The principles for asset protection apply not only to doctors but essentially anyone who wishes to have some sort of security for their assets. The key is to make sure you don’t over insure, but have enough to get your family by in case disaster strikes. If you ever get to a point where you are financially secure, it is okay to reassess whether you actually still need the coverage. Umbrella insurance can essentially be...

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Should you have umbrella insurance?

Should you have umbrella insurance? If you were at fault in an auto accident and held liable for costs and damages in excess of the limits on your auto policy (typically $300,000 to $500,000), could you pay the rest without depleting all of your assets? Could you pay the cost of defending yourself and/or a judgment if you were sued for slander or libel in today’s litigious society? Umbrella insurance can help protect you from major claims and lawsuits. Some coverages may be excess insurance, which means the umbrella policy kicks in when the limits on an auto or homeowner’s policy have been reached. In other cases, such as the slander or libel example, an umbrella policy provides coverages...

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Umbrella Policy Coverage: Why You Need It With Auto Insurance

Umbrella policy coverage protects your personal assets from being taken. If you cause a serious injury car accident, it provides extra protection, often at a very low additional price. As a result of the new changes to Michigan’s auto No-Fault insurance law that took effect on July 2, 2020, all drivers now face significantly increased liability risk if they cause a serious car accident. The biggest change is that an “at-fault” driver can now be sued for “excess” medical expenses. “Excess” medical expenses are the additional car accident-related medical bills that used to be covered under Michigan’s old unlimited PIP but now will not be covered by an injured person’s No-Fault auto insurance...

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Unbeatable Rates for Personal Umbrella Coverage, The Cooperative of American Physicians

Whether it’s wishful thinking or just poor planning, most of us don’t give much thought to preparing for a possible calamity. But life happens and an incident such as an automobile accident or slip and fall by a visitor in your home can leave you vulnerable to a substantial liability claim to your personal lines policy – especially when an opportunist sees a doctor as a source of “deep pockets.” That’s when personal umbrella coverage becomes an essential part of your collective insurance protection. This must-have coverage will provide you and your family members with additional liability protection should you be faced with a lawsuit that exceeds the coverage provided under your automobile...

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