Under the Umbrella

It is unfortunate that car accidents are still one of the leading causes of death and injury in the United States. According to the Fatality Analysis Reporting System Encyclopedia, 30,797 deaths in the United States were caused by crashes in 2009. This is down from previous years, but is still an upsetting large number.  Thousands more people are injured in accidents annually.

Do you know anyone who suffered injuries from an accident and was not completely covered by their insurance or the insurance of the person who caused the crash? Have you ever worried that in the event of a crash your medical bills or the bills of another person severely injured would not be covered? You are a responsible experienced driver, but the sad truth is that accidents do happen to good drivers: an icy road, a blind corner, a wild animal, and the list goes on.  What if catastrophe strikes and someone is injured and proceeds to sue you for more than your insurance policy covers? What can you do so that you will always be able to protect yourself financially?

An umbrella policy may be the solution to making sure your liability insurance will cover you as completely as possible. According to CNN money, “an umbrella [insurance] policy is extra liability insurance that protects you if you are sued.” Sounds expensive doesn’t it? Well, the good news is that an umbrella policy isn’t costly at all.

While automobile companies continue to improve the safety of their products, you can discuss options with your insurance agent. Then you can be assured that you will be financially covered for any situation.

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