Summary
Umbrella insurance provides additional liability coverage beyond standard auto or homeowners policies, useful in cases where existing policy limits are exceeded. It can cover legal costs, settlements, and judgments, as well as claims like libel, slander, and false arrest. In Indiana, drivers involved in accidents with injuries must stop and render aid, and report the incident to authorities. Its advisable to consult an attorney for guidance on handling any criminal charges related to the accident. Contact your insurance provider to confirm the specifics of your umbrella policy coverage.Full Conversation
I just purchase umbrella personal insurance. when I can use it?
Hello Julie! Umbrella personal insurance can be used in situations where your existing insurance policies, like auto or homeowners insurance, have been exhausted. It provides extra liability coverage. Here are some examples:
- Major car accidents
- Serious injuries on your property
- Libel or slander lawsuits
Do you have a specific scenario in mind?
I am on disability and very stress right now, because our neighbor is suing our car for their car accident. They are very rude and talking about jail. I am so stress
Hi Julie, I'm sorry to hear about your situation. To assist you better, could you please clarify whether the neighbor is suing you for damages related to the car accident or if there are any criminal charges involved?
it was a civic and criminal now. they got $ but they are so angry that they did not get more. Now they are taking to criminal
Hi Julie, I'm sorry to hear about your stress. To clarify, are the criminal charges related to the same car accident? Additionally, have you received any official notice or documentation about the criminal charges?
My son was driving a truck car to the work. he was turning to left on the stop sign on the hill and it was unleashed dog and the person. when he turned left he hit the dog (died) and the person. The person is alive thanks GOD. My son stopped his car down the hill but did not see the person.
Hello Julie, I'm sorry to hear about your situation. Here are some general points about handling such incidents in Indiana:
- Indiana requires drivers to stop and render aid in an accident involving injuries.
- Report the accident to authorities immediately.
- Your son's insurance might cover legal costs and damages.
- Consult an attorney for specific advice on handling criminal charges.
Did your son report the accident to the police?
but can I use my umbrella insurance
Hi Julie, umbrella insurance can provide additional liability coverage beyond your auto insurance. Here are some points:
- It can cover legal costs, settlements, and judgments if your auto policy limits are exceeded.
- It may also cover claims like libel, slander, and false arrest.
It's best to contact your insurance provider to confirm specifics.
thanks
You're welcome, Julie. If you have any other questions or need further clarification, feel free to ask. I'm here to help!
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