Does an umbrella policy help if I am hit by an uninsured motorist?

     Being in an auto accident is inconvenient, frightening and stressful, even if there is no serious damage or injury. The situation goes from bad to worse when you find out the other driver, who was at fault in the accident, did not have auto insurance or was underinsured. 

     If the damages are small enough, they may be covered under your own automobile insurance. When you obtained auto insurance in Jacksonville FL through Connect America Insurance Agency, you got at least the minimum coverage required by law, including uninsured motorist coverage. However, you will need to pay out of pocket for anything that goes beyond that limit unless you have other coverage.

Umbrella Policies

     The purpose of an umbrella policy is to provide extra insurance that pays above and beyond what your other insurance policies do. It can protect you from major claims and lawsuits, keeping you from being personally responsible for certain losses. Your umbrella policy may add additional coverage to your auto, homeowner’s, rental and even boat insurance.     

     Coverage from an umbrella doesn’t kick in until you have reached your limit on your other policies. Besides covering larger amounts, an umbrella policy may provide coverage for claims that aren’t covered by your other insurance policies. For instance, if you your homeowner’s insurance policy doesn’t cover false arrest or slander, you may be covered under an umbrella policy.

Uninsured/Underinsured Motorists

     An umbrella policy probably does not automatically cover damages and injuries from uninsured motorists, but you can obtain a Rider to add that coverage. You can discuss with your Connect America Insurance Agency agent how much extra coverage you may need, and compare different umbrella policies and riders in Jacksonville FL. You can protect yourself and your loved ones by making sure you are protected.