At Davis & Associates LLC in Allen, TX, we want all of our clients to have the insurance they need. In many cases, that means thinking about umbrella insurance. Umbrella insurance adds an additional layer to the liability coverage you already have. In Texas, where all things are more significant, you don't want to find that your liability coverage is inadequate too late. Texas is a shared fault state, so you need to know what you might be responsible for.
With a shared fault, you could end up paying part of the liability. It is often difficult to determine who is responsible for what, especially in auto accidents. You may be an unwilling party, as is the case where multiple cars are rear-ended. If you are in the middle of the pack, you are responsible for hitting the person in front of you, even if you were forced there by being hit from the rear.
If you have any assets, it is worth thinking about benefiting from umbrella insurance. It is designed to protect your assets, no matter how big or small they are. To purchase umbrella insurance, you must have a liability coverage policy. Many types of insurance do include liability. If you have a home, auto, motorcycle, condo, boat, or renters' insurance policy, you have a policy with liability coverage.
Umbrella insurance supplements your primary liability coverage. When you need to use it, your primary policy will pay up to your coverage limit, and then the umbrella policy will come in. It can help pay for medical expenses, a judgment against you, and even legal fees. It can mean the difference between coming out of things with your assets intact and being devastated. No matter how many assets you have, you can benefit.
For information about umbrella insurance in Texas and other types of insurance, contact Davis & Associates LLC in Allen, TX.
Brent is on top of his game and available to answer any questions I have. I can’t recommend him enough.
Awesome customer service and quickly resolved an issue with my claims adjuster. Honest and genuine professional I highly recommend his services!
Real stand-up company. Worked to achieve a solution that would cover everything I needed at a reasonable rate. Really friendly people.