The Importance of Umbrella Insurance

January 2023

In addition to your primary automobile or home insurance policy, an insurance agent may offer you a policy of umbrella insurance.  The policy of umbrella insurance provides coverage which is above and beyond the primary policy of insurance.  Umbrella policies provide coverage in the event a person is seriously injured and the damages exceed the primary policy  An umbrella policy can protect personal assets if a very serious injury has been caused.  If you can afford a policy of umbrella insurance, we recommend that you purchase one.

Another aspect of a policy of umbrella insurance is the possibility of adding addtional underinsured and uninsured motorist coverage.  This would be coverage that is above and beyond your primary automobile policy.  If you are seriously injured by someone else, this coverage could become available once your underlying uninsured or underinsured motorist coverage is exhausted.  

At Herrick & Hart, we have been on the side of the injured since 1951.  We have experience in the area of personal injury law and have taken many personal injury cases to trial.  We offer a free consultation on personal injury cases.

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