Consider this example. Let’s say you’re driving to work and you collide with another vehicle. Unfortunately, all passengers in the other vehicle are injured. This collision has caused expensive medical bills and may produce a judgment against you in court—that your auto policy limits might not fully cover.
Umbrella insurance is an extra blanket of protection in case you or a loved one are responsible for personal injury or property damage to other people. Your umbrella policy can provide one million (or more) of liability coverage, above the limits of your auto, homeowners, or other insurance.
What could you lose without the proper coverage? Think about it.