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Actual Umbrella Claims
When might you need Worldwide Coverage?
Insured on vacation with a friend and rented a boat. While driving it, they caused $1,250 damage to the engine. They did not buy the offered insurance and the Homeowners excluded the coverage. Our Umbrella paid $1,000 after the $250 deductible.
Insured on vacation and rented a car. While driving, they ran into a pedestrian and caused serious injuries. Coverage was excluded on the underlying policies. Our umbrella paid out $29,000.
Our insured was driving a rental car in the West Indies and was involved in an accident. Coverage is excluded by the underlying. The Umbrella paid $8,431 for damage to the rental car.
When might you need coverage for Care, Custody, and Control?
Our insured was driving his daughter-in-law’s boat and while backing it up, ran into the boat garage. Coverage was excluded on the underlying. Damage to the boat was $1,460. Umbrella paid $1,210 after the $250 deductible.
Insured’s daughter was driving a friend’s car while hers was in the shop. She did not know that the car was uninsured. She hit another vehicle and did $2,270 of damage to the car she was driving. Umbrella paid $2,020 in damages.
Our insured rented two snowmobiles, for himself and for his son. As they were crossing a frozen lake, our insured’s snowmobile went through the ice. In an attempt to help him out, the son’s snowmobile went through the ice too. Our Umbrella paid $1,982 for repairs to the snowmobiles.
Our insured rented a bike while vacationing in Hawaii. The bike was stolen and $490 was paid by the Umbrella policy.
When might you need coverage for the Auto exposure?
Our insured was driving an F250 truck and hit black ice, lost control, and rolled into a ditch. The passenger was ejected from the vehicle and had many injuries. The Umbrella has paid $1,600,000 so far on the claim.
Insured was in Florida with their motor home. While moving the motor home, the insured backed into three people. The Umbrella paid the full $1,000,000 limit.
Our insured was driving a motorcycle and while making a left turn, ran into another vehicle causing damage to both the motorcycle and the vehicle. Passenger in the vehicle was badly injured. The Umbrella paid $176,000.
Insured was waiting to make a left hand turn. Another vehicle was speeding and hit the insured vehicle, which was pushed at and hit a pedestrian. The Umbrella paid the full $1,000,000 limits to the pedestrian.
Don't let any of these examples happen to you!
Learn how bundling an Excess Umbrella coverage Can be less expensive than the savings offered by your other lines of insurance... Making the coverage completely free!