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Reply to "Do we need umbrella insurance?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Hell yes. Protect what you have. It costs next to nothing.[/quote] I guess I am just not clear how it protects anything. If someone ends up having a fall on your property and becomes paraplegic, a million dollar policy is not going to cover you sufficiently. Their lawyers find out your net worth, and how much your insurance is, and they come after the lot. So while it would cover some circumstances, it would not cover all. If your coverage is 2 million and your net worth 1 million, a 3 million judgment would still wipe you out.[/quote] [b]Many times the plaintiff is willing to settle for what the insurer will pay[/b]. [/quote] This! Good insurance is a bird in the hand for most plaintiffs' lawyers. They don't want to spend money trying their clients' cases.[/quote]
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