What is Umbrella Insurance a Car Accident?

When it comes to safeguarding your finances after an at-fault car accident, umbrella insurance can be a game-changer. This type of policy is designed to provide additional liability coverage that goes beyond the limits of your standard auto insurance. Here’s how it can protect you in a variety of scenarios.

Bodily Injury Liability

If you are hurt in a car accident and the other driver does not have enough insurance to cover your losses there are two major options.   First, you may have uninsured coverage with kicks in and pays for your losses.   The other options is an umbrella policy owned by the at fault driver. Umbrella policies generally provide additional liability coverage, but they often exclude coverage for incidents involving illegal activities, such as drunk driving. If you are involved in an accident while under the influence, your umbrella policy may not cover the damages or legal costs. However, the specifics can vary depending on the terms of your policy and the insurance provider.

If you are in a car accident you need the best personal injury attorney to ensure that you find all available assets and insurance to provide you with fair compensation.  The Horowitz personal injury law firm will aggressively represent you to ensure that you obtain a full and fair recovery.