A "real life" example from one of our clients comes from an unfortunate accident involving their son and his girlfriend. Despite the tragic nature of the story, there was one less thing to worry about because they had proper insurance coverage.
One of our insured's 18 year old son was driving the insured's car for a quick trip to the store with his girlfriend, the claimant. The insured swerved to miss a dog and hit a tree. There were no witnesses and the claimant has no recollection of the accident.
The claimant, an 18 year old college student, was hospitalized for over three weeks with multiple fractures and internal injuries. She is able to walk with crutches but continues physical therapy, and she does have some permanent damage.
The insured's personal umbrella policy limit was used to cover the claimant's requests.
Wisconsin residents, please contact a KnowledgeBroker for more information on umbrella policies or to get a free insurance analysis of your homeowners protection.
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