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Lana Insurance Center Inc

1259 South Broad St
Wallingford, CT 06492

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Umbrella Insurance in Connecticut

You may think that your standard insurance plan is enough to protect you when the inevitable happens in Connecticut. You may, however, be unpleasantly surprised to find out that your low premium leaves you with the short end of the stick.

It is not uncommon for an individual to exhaust the limits of his standard insurance policy. One auto accident can push you over the boundary. An umbrella policy from Lana Insurance Center Inc can provide a safety net when your traditional indemnity policy falls short in Meriden, North Haven, or Wallingford, CT.

What is umbrella insurance?

You should think of umbrella insurance as your spare tire. Whereas your standard assurance policy in Connecticut keeps the vehicle of financial security running when the inevitable happens, an umbrella plan serves as a backup when there is a flat tire.

Say, for example, you have an at-fault car accident that causes extensive damage to both property and the other drivers involved. There were no fatalities, but the medical bills and property damage exceed your policy limits. You only have $20,00 to spare in bodily injury and $10,000 for property damage. The damage to property damage alone exceeds $30,000. Where will the rest of the money come from?

You will have to come up with the remaining $20,000 without an umbrella insurance policy to cover the unpaid balance. Failure to do so could lead to a lawsuit that mandates you pay the balance regardless of affordability. A good umbrella insurance plan can save you the stress of stretching your finances to cover accidents when the policy limits of your standard assurance plan is exhausted.

How much umbrella assurance do you need?

The amount of umbrella insurance you need depends on many factors including the lifestyle you lead. An agent at Lana Insurance Center Inc in Wallingford, CT can help you find the policy that best suits your situation. Call us today to get started with a quote!

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