3 Reasons to have a Personal Umbrella

This month’s blog is very direct… Other than congratulating our WINNERS of the Monthly Referral Drawing and Monthly Facebook Drawing we want to give you three separate claim scenarios where a Personal Umbrella Policy saved a family in a time of need. If you have any specific questions or want to know what it would take for you to get this coverage, give us a call.

First things first, congratulations go out to CJ and MB, they were both winners this month with CJ taking home the grand prize $100 Gift Card and MB the $25 Gift Card. If you would like to see the picture of him graciously accepting the prize, visit our Facebook. While you are there, feel free to get involved so you too can be entered to win. http://www.facebook.com/heuerinsuranceagency

Secondly, read below to see how a Personal Umbrella Policy can help protect you and your family against the unexpected.

Loss #1
A couple hosted a pool party for their teenage children. They did not provide any alcohol, but it was brought by some of the guests and was available. After leaving the party, one of the guests was severely injured in an auto accident, and the injury was attributed to his consumption of alcohol. This case went to the Wisconsin Supreme Court which decided that anyone who sells or furnishes alcohol to a minor is responsible for the minor’s injuries as well as any injuries caused by the minor. The opinion of the court was that the homeowners should have prevented the consumption of alcohol by minors on their premises. Both the homeowners and personal umbrella policies responded to this claim.
Loss #2
The insured hosted a party at his home. Among the guests was a family friend, who was also the insured’s financial advisor. The friend brought his wife, their 2-year-old child and their baby to the party. The insured gave them a jug of spring water to mix formula for the baby. The 2-year-old child also had a drink of the water. Shortly thereafter, both children became ill. The family left the party and took the children to the hospital. The hospital confiscated the water jug which was found to contain arsenic. An old label was found wrapped around the handle with the words “weed killer” printed on it. The insured had mistakenly given the jug, which was similar to the ones containing spring water, to the family. The baby died and the 2-year-old survived after being in critical condition several days. The personal umbrella liability limit was paid.
Loss #3
The insured’s 18-year-old son was driving his parents’ car to the store with his 19-year-old girlfriend. He left the roadway and hit a tree. The son told the police that another car cut him off, but there were no witnesses and the girlfriend had no recollection of the accident. She was hospitalized for over a month with multiple fractures and internal injuries and received extensive physical therapy. The personal umbrella insurer settled with the girlfriend for the policy limit.

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