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PERSONAL LIABILITY UMBRELLA INSURANCE

AAA Insurance strives to give our members total peace of mind, and one way we deliver this promise is through our Personal Liability Umbrella Insurance.

In today's world of distracted drivers and lawsuits for everything, this coverage is more crucial than ever.Rest easy knowing that AAA Insurance has you covered. Contact your local AAA Agent today.

Why AAA Personal Liablity Umbrella Insurance
  • Additional Liability Coverage above auto and homeowners insurance
  • $1 and $2 million limits for coverage.
  • Less strict underlying limit requirements than other insurance companies.
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What is Personal Liability Umbrella Insurance?

While home and auto policies provide you good protection, these policies may not cover all of your insurance needs. After a limit is reached, the remaining cost will come out of your pocket. This is where a Personal Liability Umbrella Insurance policy will come into play.

Umbrella policies are the biggest bang for your buck.

For better understanding, see these examples of how a Personal Liability Umbrella insurance policy can benefit you in both auto and home insurance claims:

Auto
You have an auto policy with $100,000 per person/ $300,000 per accident limits and $100,000 of property damage. You are found at fault in a car accident where you hit a doctor, his or her spouse and two children who were in the vehicle. Among the injuries suffered by all occupants of the car, the doctor has permanent nerve damage to their hands and one of the children suffered a severe head injury. Your auto insurance policy alone will not be enough to cover the damages.

Where the accident exceeds your policy limits, you are liable for the remainder of the costs. In a situation like this one, your Personal Liability Umbrella policy will provide extended coverage to help you in your time of need.

Home
There are many ways a Personal Liability Umbrella policy will offer you extended coverage to your homeowners’ policy. When considering your needs, take into account that pain and suffering, lost quality of life, and medical costs are all applicable in claims judgements. While not all claims can fully be covered by a Personal Liability Umbrella policy, it can lessen the financial burden in the event of unfortunate accidents.

A visitor to your home falls and sustains a serious injury that renders them a quadriplegic, requiring surgery, long hospital stays and expensive medical equipment. This visitor owns his own business and is unable to maintain operations. Your home insurance policy alone will not be enough to cover these damages.

In this situation, the limits of a homeowners' policy are maxed out, and the Personal Liablity Umbrella can supplement the extended costs incurred by these types of accidents

For better understanding, see these examples of how a Personal Liability Umbrella insurance policy can benefit you in both auto and home insurance claims:

This information is an overview of common terms, conditions and coverages. Review your policy or contact a AAA Insurance agent for more information.