Personal Injury Articles for the Injured of NJ

What is Umbrella (or "Excess" ) Insurance? Is Umbrella Insurance Right for Me?

Posted by Francis M. Smith on Mon, Feb 05, 2018

By Francis M. Smith

Many kinds of insurance policies have two distinct functions: they provide a way to pay for the help we need when we are harmed, and they protect the assets we have worked to earn in the event that a mistake we make harms someone else. The latter type of protection is liability coverage. If you become a defendant in a lawsuit, the relevant type of liability coverage you carry may be used to compensate the plaintiff for their damages without involving your personal funds, property, or future earnings. Having sufficient liability coverage protects your assets and your family's financial stability.

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Topics: Automobile Insurance, homeowners insurance, liability insurance, umbrella insurance

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