What is an umbrella? Simply, an umbrella policy is something you can purchase through your insurance company that providers extra coverage beyond your normal limits, usually as a backup for homeowner’s insurance, auto insurance and boating insurance. You are usually eligible to purchase one if you have high underlying limits and all of your insurance coverage through one company. It normally does NOT cover business losses, and you will have to check if it covers UIM claims. A lot of recent policies exempt UIM coverage, which to me is one of the more useful parts of an umbrella; otherwise the umbrella is only there to protect your assets from a lawsuit filed by someone else for your negligence. Don’t get me wrong, that’s also important, but to me, if you’re paying for an umbrella, it should also protect you in case you or your family is injured by someone else’s negligence. So, this is your reminder to review your insurance policies, and find out if that umbrella policy provides UIM coverage! It usually says on your declarations page whether you have the coverage.
Whose Insurance Covers Your Teen Driver When You’re Co-Parenting in Washington?
I'm a personal injury lawyer here in Vancouver, WA, and I'm also a divorced mom whose oldest son just turned 16. Figuring out teen driver insurance is expensive and confusing. It's one of those things [...]
Why Vancouver, WA needs a Woman Owned Personal Injury Law Firm
I think people should have options when it comes to the professionals they choose to work with, and I know a lot of people prefer to work with a woman. However almost, if not all, [...]
How Much Is My Personal Injury Case Worth? A Vancouver, WA Lawyer Explains
It's the question I get asked the most, and honestly, it's the hardest one to answer. The truth? There is no fixed number. Your personal injury case value is exactly what you settle for, or [...]
A Website Told Me My Case Value
Short answer, those websites are largely junk. You need to talk to a lawyer and likely retain one to have a better idea of "case value." 1) Cases don't have intrinsic value for one thing. [...]
Umbrella Coverage
What is an umbrella? Simply, an umbrella policy is something you can purchase through your insurance company that providers extra coverage beyond your normal limits, usually as a backup for homeowner's insurance, auto insurance and [...]
Black Box Data
You've heard of black box data.... probably in reference to airplane crashes, but did you know most vehicles also have a black box on board? This data can be extremely valuable. And fleeting. No pun [...]