Why Basic Insurance Is Not Enough | Estabrook & Chamberlain ...

Many people think basic insurance is all they need.? The fact is, circumstances can quickly and? easily arise that can exhaust basic coverage limits and result in a significant financial impact.? One example of this is a real life case in which the 18 year old son of an insured was involved in an accident while driving a short distance to the store.? The car left the road, and struck a tree.? The teen?s girlfriend was traveling in the car and sustained significant injuries.? She was in the hospital for over a month.? Initially confined to a wheel chair, she was eventually able to walk with crutches and had to undergo lengthy physical therapy.
The driver of the car claimed he was cut off by another vehicle. However, since there were no witnesses and no physical evidence to support the driver?s claim, the insured?s auto policy had to cover the claim.? Luckily, the insured had a personal umbrella policy that provided additional coverage over and above their auto policy.? Without that added coverage, this tragedy could have had a much greater impact on the lives of all involved.? Personal umbrella policies can and do make a difference.? To learn more and find out how affordable they can be, talk to one of our representatives today.

Source: http://estabrookchamberlain.com/blog/?p=398

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