I was in Las Vegas this past weekend for a chiropractic event.? On the way from the airport to my hotel,? my cab came to a standstill for quite some time.? As we inched forward, I could see that there was a significant, multi-car ?fender bender? in front of us.?
It didn?t appear that there were any major injuries, but there was extensive damage to the cars and, without doubt, some sore necks and backs.? I did wonder if the person responsible for the accident had enough insurance for all of those affected??
Once fault is established, that person will be legally and financially responsible for the medical bills and property damage for all those involved!
If you don?t have one already, I?d suggest discussing an umbrella policy with your insurance agent.? An umbrella liability policy will provide protection beyond the limits of your home, auto and business policies.?For instance, if you were the person that caused the auto accident I described above and the collective damages exceeded your auto liability limits, the umbrella would be an extra layer of protection helping to protect your personal finances from becoming at stake.
I think most people either don?t think of an umbrella policy or have the impression they are unaffordable.? In reality, the cost for a million dollar umbrella is typically very affordable considering the peace of mind it provides!?
As always, please consult your insurance agent to discuss your particular insurance plan.? Our NCMIC insurance agents would also be happy to assist you and discuss your options.? (Contact them by email at agents@ncmic.com or by calling 800-394-1466.)
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