Liberty Mutual's Umbrella Policy

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PostPosted: Mon Oct 21, 2013 4:25 am   Post subject: Liberty Mutual's Umbrella Policy  

Liberty Mutual does NOT offer uninsured and underinsured motorist coverage on their umbrella policy. Why carry an umbrella with them then when they will not protect my family?



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PostPosted: Wed Oct 23, 2013 6:53 am   Post subject:   

Quote:
umbrella policy. Why carry an umbrella with them then when they will not protect my family?
Apparently your lack of insurance knowledge has finally caught up with you.



What is under/uninsured motorist coverage? It is not liability insurance, it is indemnity protection if a third party has insufficient liability coverage for losses that person causes.



An umbrella policy is excess liability coverage for damages you do to others. As a result, it only pays third-party claims. An under/uninsured loss is not a third-party claim.



Quote:
Why carry an umbrella
You carry an umbrella to protect yourself from the financial effect of damages you cause to another person in excess of your underlying primary insurance. That person would want to carry under/uninsured to protect them from losses in excess of your total coverage.


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PostPosted: Mon Aug 12, 2019 2:06 pm   Post subject:   

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PostPosted: Mon Aug 19, 2019 2:55 pm   Post subject:   

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