What Umbrella Insurance Can do for You

If you are wondering about umbrella insurance and are in the Lakewood, CO area, come on into Colling Insurance Services, Inc. and you will find friendly and knowledgeable agents ready to answer all of your questions. 

In the meantime, here is a quick look at some of the things that it might do for you.

  • Bodily Injury – If you happen to cause injuries in a vehicular accident and their medical bills go over the limits of your vehicle insurance, having an umbrella policy can ensure that you don’t pick up the tab.  Also, say you have an electrician doing some work in your home and they fall and injure themselves on your property.  Your homeowner’s insurance should take care of their medical bills but in the event that their bills exceed the limits of your policy, an umbrella policy can step in here and pick up the difference.  Even if you are out for a walk with your dog and he bites someone, the umbrella insurance policy is good for that too.
  • Property Damage – If there is a car accident involving property that gets damaged, your umbrella policy will pick up what the auto insurance policy doesn’t.  It also covers other things that might not be covered by an auto or homeowner’s insurance policy.
  • Legal Damages – If you happen to be sued for slander or libel, this type of policy can protect you.  It can also be helpful in instances of violation of privacy, false arrest, or even malicious prosecution as well as a few other civil issues.  It can also take care of legal fees if you are involved in a lawsuit. 

For these reasons and more, it is essential that you have a great umbrella insurance policy.  Stop by Collin Insurance Services, Inc. today to find out more.