At Soucy Insurance Agency, we are committed to offering our customers comprehensive coverage that helps them protect what matters most. Our agents are skilled in preparing you for whatever mishaps might come your way, which is why we recommend personal umbrella coverage as an added level of protection.
Listed below are actual personal umbrella claims provided by RLI Insurance. These claims illustrate how incidents can happen during the course of everyday activities. Additionally, they show how quickly we can be exposed to a large claims suit that can instantly exhaust basic insurance liability limits.
Claim Scenario #1
The Insured's 18 year old son was driving the Insured's car on a short trip to the store with his girlfriend, the Claimant. The car left the roadway and struck a tree. The Insured's son told the police that a vehicle cut him off, but there were no witnesses and no evidence of any impact with another car. The Claimant has no recollection of the accident.
The Claimant, a 19 year old college student, was hospitqalized for over a month with multiple fractures and internal injuries. She was in a wheelchair but is now able to walk with crutches and continues with physical therapy. She has a right drop foot as a result of the injuries. The Insured's personal umbrella policy limit was paid.
Claim Scenario #2
Claimant, age 2, was on the Insureds' property with his grandparents who were there to care for 2 horses owned by the Insureds. The Insureds were out of town on vacation. The Claimant was kicked by one of the horses, taken to the emergency room, and then life flighted to a larger hospital.
The Claimant was given a 5% chance of survival and underwent surgery for a cracked skull (a piece of which was missing) with 30% damage to the right side of his brain. He survived and is residing in a neighboring state at a rehabilitation center. A large payment was made under the personal umbrella policy.
For more information on personal umbrella insurance, please contact Soucy Insurance at 762.2218.