Umbrella Insurance

They Want More Because You Have More

In our society, several things work against you:

  • It costs 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.

You have worked hard all of your life, and you are continuing to do so.  You are generating a decent income, you are starting to invest, and you have a few toys to enjoy on weekends and vacations (remember them?).   You are on your way to financial security, and YOU did it.

Along the way, you protected your growing wealth with what were, at the time, adequate limits for most types of common claims. But now, you begin to recognize that you need to up your game and get more - and better - protection: You want an umbrella insurance policy.

How much liability insurance do you have on your home(s) and cars: $100,000? $300,000? $500,000? It’s just not enough anymore.

What if you get into a serious auto accident?  What if someone falls into your pool?  What if your 25-pound dog gets scared by a child's quick movements and bites the child on the face?  Whatever the fluke occurrence, you can and will likely be sued.  What if you are sued for $787,000 and you lose? Okay, you say, the insurance will cover it, but do you have enough protection?

Insurance companies are not in business to be nice; they are in business to perform as advertised.  They will defend you to the best of their abilities. HOWEVER, if they decide that your claim is going to require the policy's full limits and then some, they are not going to keep defending you and needlessly spend more money when they can simply cut their losses and pay out your entire policy's limits.  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 striven for? You bet you can.  In the wink of any eye, you can accidentally, fatally injure another person.  

So, you need protection that will continue to defend and protect you after your initial policy's limits are exhausted and that will keep your lawyers in the game. You need Umbrella protection.

Contact us at 562-594-6541, the insurance pros at Huggins Dreckman Insurance. Discover how little the cost is for this invaluable policy which will provide you with gigantic protection!

Huggins Dreckman Insurance

At Huggins Dreckman Insurance, we have provided umbrella protection for clients all over the country since 1968. We know how to protect your assets. Now you will too!

Don’t spend another night worrying about losing all you've got. Take action before you are taken out financially.  Contact us today for a free, no obligation umbrella protection quote. Here is some great information about how well you can be protected with Safeco's Umbrella. There are a lot of good umbrella forms out there, but they are definitely not all the same. Safeco's is one of the best, Chubb is one of the best, and Scottsdale is among the better coverage contracts.