Will you or your dependents be skiing or snowboarding this season? We hope your time on the slopes will be safe, but if an accident happens, it can get pretty complicated and your coverage may fall short. See how a policy you may never have heard of saved the (snow) day when things went downhill for one insured.

Carol, a software developer, was looking forward to spending her birthday vacation on the slopes with friends. An experienced snowboarder, she set out on her third run of the day just as Tiffany was skiing down the mountain too fast, forcing her to lose control and crash into Carol.

Carol suffered a complete ACL tear requiring reconstruction, a shoulder fracture and a minor head injury, even though she was wearing a helmet — all of which prevented her from working for six months.

After Tiffany's homeowners liability limit was exhausted, her standalone personal umbrella policy covered Carol's medical bills, loss of wages and pain and suffering.

Claim: $575,000

Just like the kind of umbrella you hold when it rains, a personal umbrella policy can protect you when a downpour happens by safeguarding assets and paying for medical and legal bills beyond what your homeowners/renters and auto policies cover.


Posted 3:36 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

View Mobile Version