No one ever expects to be faced with a lawsuit, but unfortunately, it happens. The costs of a court battle are often so steep that the defendant is forced to sell his or her home, car, or other important possessions. If you have a family to care for, a lawsuit is an expensive embarrassment that can prevent you from providing your spouse and children the life they deserve. The typical Texas auto, homeowner's, or watercraft insurance policy handles only a limited amount of liability, leaving you and your family with costs above and beyond their coverage. Texas personal umbrella insurance is designed for just this problem.
In short: personal umbrella insurance coverage in Texas protects you from costs beyond what your existing insurance policies take care of. For example, you cause a major car accident that costs more than your insurance covers you for. Once your auto insurance has been exhausted, your umbrella insurance jumps in to cover remaining expenses. Dean & Draper recommends Texans add personal umbrella insurance to their existing personal insurance policies, so they do not incur charges like medical bills, lost income, and even attorney costs related to an accident or other act of negligence.
Personal umbrella liability insurance is affordable, and when you consider how many thousands or even millions of dollars a lawsuit can cost, purchasing a little extra protection with a Texas personal umbrella insurance policy is a small price to pay. Don't let yourself be held liable for someone else's medical care, lost wages, or other expenses related to an accident. Let Dean & Draper help you determine the best umbrella insurance policy that will protect you in such cases.
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