California Umbrella Insurance
They Want More Because You Have More
In our society, three things work against you:
- It cost nothing to initiate a lawsuit
- Juries and judges are unpredictable
- Defending yourself costs enormous sums of money
One other factor also comes into play. They want more because you have it.
A long time ago, you decided to arrive. You worked hard - long hours and no vacations - and got there. And, you did it by yourself. As you grew, you accumulated possessions. Not an ostentatious amount, but enough to make you and your loved ones comfortable and secure.
You are proud of these accomplishments. In fact, you have protected them with the best insurance you could.
Now you need extra protection, an umbrella insurance policy.
What are your limits on your auto and home liability policies? $100,000? $300,000? $500,000?
It’s just not enough.
You get into an auto accident; someone falls into your pool. Whatever the fluke occurrence, you can be sued. What if you are sued and the award goes to the plaintiff? Okay, you say, the insurance will cover it. But what if the amount is over the policy limits? (That happens, especially if you have nice things)
Insurance companies are not in business to be nice; they are in business to perform as advertised. And, they will defend you to the best of their abilities. HOWEVER, if they decide - in their large claims committee meetings - that your claim is going to require the policy's full limits and then some, they are not going to keep defending you, losing money needlessly when they can simply cut their losses and pay out your entire policy's limits . . . . and then they can just walk away. They have honored their contract.
And, when they leave, your legal team goes with them. What is left for you is to deal with the remainder of the claim and of the lawsuit.
How will you pay the judgment? How will you even defend yourself in the continuation of such a lawsuit? Can you actually lose all you have strived for?
You bet you can.
So, you need protection that will rev up after the your initial policy's limits are exhausted and that will keep your lawyers in the game. You need Umbrella protection.
Contact us 562-594-6541, the seasoned insurance professionals at Huggins/Dreckman Insurance Agency, Inc., in Seal Beach, California. Discover how little the cost is for this invaluable policy which will provide you with gigantic protection.
Huggins/Dreckman Insurance Agency, Inc.
At Huggins/Dreckman Insurance, we have provided umbrella protection for people in Seal Beach since 1968. We know how to protect your assets. Now you will too!
Don’t spend another sleepless night riddled with anxiety about losing all you have. Take out an umbrella! Complete the Protection Savings Form today for a free, no obligation umbrella protection quote.