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Personal Insurance

Why Winter Weather and a Personal Umbrella Policy Go Together

By January 18, 2022April 18th, 2024No Comments

Personal Insurance News

By the Insurance Experts

Why do Winter Weather and a Personal Umbrella Policy Go Together?

Did you know that over 70% of the nation’s roads are located in snowy regions and that nearly 70% of the U.S. population lives in those regions? This is according to the Federal Highway Administration, which also reports that 24% of weather-related vehicle crashes occur on snowy, slushy, or icy pavement, causing over 1,300 deaths and 116,000 injuries each year.

Those are some high percentages, which is why you should know about the benefits of a
Personal Umbrella Policy.

Most Customers’ existing auto insurance may not be enough to cover the fallout from accidents, including potential medical expenses and catastrophic lawsuits stemming from uninsured/underinsured motorists.

A personal umbrella policy will substantially increase your overall liability protection beyond the basic coverage provided under both your auto and homeowners insurance policies. Consider the following real-life scenario involving an insured and an uninsured motorist:

Situation: The insured was driving on an icy road when another car slid out of control and struck the insured’s car at high speed. The insured was airlifted from the accident scene to a hospital. He sustained spinal injuries and other complications as a result of the accident.

Outcome: Because the insured elected to purchase Excess Uninsured/Underinsured Motorists coverage on his Personal Umbrella Policy, and had purchased the required minimum limit of primary uninsured/underinsured coverage on his auto policy, the insured was paid the full $1 million Excess Uninsured/Underinsured Motorists policy limit in addition to his primary coverage for an accident that was not his fault.

Make sure you aren’t left out in the cold when you hit the road. Talk to us about how a Personal Umbrella policy can help protect you, your family, and your livelihood when winter weather strikes.

We pride ourselves in finding the best insurance in Oregon for you, at the best rate with the best coverage, and not just the first time but every time your insurance renews. We will shop your insurance through multiple companies to find you the best option.