An umbrella policy generally provides insurance coverage above and beyond your primary, underlying policies. Umbrella policies may provide coverage in the event you injure someone else but they can also be available to you in the event someone very seriously injures you.
One of the things we see most in our practice is people who are seriously injured but simply can never be made whole because there is simply not enough insurance coverage available to cover the extent of their damages and losses. We highly recommend that every single person talk with their insurance agent and strongly consider obtaining umbrella coverage.
Umbrella Coverage Can Make All the Difference
If you do not carry enough insurance and you severely injure someone, once your insurer pays your policy limit, you may can be left exposed and liable for the injured party’s remaining damages. This can become financially devastating. On the other hand, if you are seriously injured by another person and that individual does not have enough insurance coverage, providing you purchased an appropriate umbrella policy that would cover UIM claims, you may be able to seek compensation from your umbrella policy. Umbrella policies can make all the difference in providing additional and necessary coverage.
Umbrella Coverage is Affordable
We are not insurance agents and of course all premiums will vary, but given the catastrophic losses we see where people have no means to recover, the amount you may spend on umbrella coverage is well worth it.
No one expects to have their world pulled out from under them but a serious car crash can do just that in a matter of seconds, and unfortunately, once you are seriously injured, it’s too late to go back and try to obtain the appropriate coverage to help put the pieces of your life back together. Make a call today to a trusted insurance agent and ensure you have the coverage you need to protect you and your family in case of a catastrophic car crash.
Consulting with an Attorney
At Herrling Clark Law Firm, Ltd. we always have your best interests at heart and will help you get the compensation you deserve. Personal injuries are challenging to navigate for accident victims and their families, and we are dedicated to making the process as smooth as possible. Contact our personal injury attorneys to schedule a consultation to discuss your case.