Umbrella Insurance Keeps You Out of the Rain

It’s raining lawsuits. Do you have an umbrella? You may not think you will ever be subject to the litigation process, but in modern “sue-happy” society, can you afford to take that risk?

Take for example the 32-year-old New Yorker who is suing his parents for $200,000, saying that they have been “indifferent” to his problems.  Or the knife-wielding robber who sued the would-be victim of his theft, claiming the store lacked “a policy regarding the safe and lawful use of firearms” after the owner shot and injured him. An Arizona judge finally dismissed the suit two years after the incident, and after the shop owner spent thousands of dollars on legal fees.

In 2012 alone, an intoxicated Florida driver pleaded guilty to manslaughter, then sued the victim; a Michigan woman filed a $5 million suit for the leftover gas still in her repossessed car; a 13-year-old Little Leaguer was sued by spectator who was hit with a baseball; a California restaurateur was sued for disabilities act violations in a parking lot he didn’t own.

You may be thinking the targets of these lawsuits must be rolling in the money, otherwise why bother, right? Sadly, that’s not always the case. Few 13-year-old baseball players have large bank accounts.

Many people face lawsuits with less dubious claims, especially when it comes to vehicle collisions. An umbrella insurance policy provides an added layer of protection for your car and home insurance policies.

The great thing about umbrella insurance is you don’t need to be a millionaire in order to have millions in coverage and protection. Remember, lawsuits aren’t only about what you have in the bank today: Many court room decisions can also impact any future earnings you may be entitled to and can tap your finances indefinitely. You can find a $1 million umbrella insurance policy for as little as $200 a year. That’s a lot of protection for a relatively small investment.

Our knowledgeable agents can help you find a number of umbrella insurance quotes from a variety of providers, ensuring you will locate the best coverage at the most affordable rates. Contact us to find the extra protection of an umbrella insurance policy that can keep the lawsuit storms at bay.