Contact us for a quote!
Jackson Insurance Services
997 East 3900 South
Salt Lake City, UT 84124
801.264.1100
THE IMPOSSIBLE IS PROBABLE
Real claims are often unbelievable. And when things go wrong, we make it
right. Our personal umbrella policy adds a crucial layer of asset protection
above your insurance policy limits for accidents and claims like these
that go beyond your wildest imagination.
Real World Stories
Just a quick text
Ashley and her BFF were heading out to meet their college friends
for dinner, but they couldn’t remember what time they were
supposed to meet. Ashley sent a quick text to check. With her eyes
on her phone instead of the road, Ashley didn’t see the bicyclists in
the crosswalk until it was too late. Both cyclists sustained serious
injuries requiring hospitalization and rehabilitation. After Ashley’s
auto liability limits were exhausted, she was held personally
responsible for their medical bills.
Claim: $625,000
When minimum coverage is not enough
Ian carried state minimums for personal auto liability insurance
thinking that it was plenty. But when he accidentally struck
Jackie, an aircraft mechanic, on her bike, they both would find
out how costly this choice would be. Jackie suffered serious
injuries and even though she was not at fault for the accident, she
got a massive hospital bill. Ian’s minimum coverage was quickly
exhausted and Jackie was left with the debt. Unable to work and
without compensation for lost wages, she was forced to declare
bankruptcy.
Claim: $650,000
Fireworks
Zack found leftover Fourth of July fireworks in the garage just in
time for Halloween. He couldn’t wait to tell his friend, Fletcher.
While their parents were soundly asleep, the pair snuck out to
give them a try. A bottle rocket zoomed off-course and landed
underneath their neighbor’s car, catching it — and their neighbor’s
home — on fire. Because of “vicarious parental liability,” Zack’s
parents were on the hook for his actions, even though they weren’t
present and didn’t know what he was up to.
Claim: $620,000
CONTACT US FOR A QUOTE
Policies start at about $25 a month
Jackson Insurance Services
997 East 3900 South, Salt Lake City, UT 84124
801.264.1100
offered througH
A personal
umbrella sits
on top of
other policies
and kicks in
after those
limits are
exhausted,
protecting
your
assets. And
specialized
legal defense
if you’re sued.
Figure based on nationwide average premium of a $1 MM personal umbrella
policy for 2 homes, 1 car, 1 driver. Premium billed annually. Names and
identifying details in claims examples have Been changed to protect the privacy
of individuals. This information is for educational purposes only and does not
constitute legal advice or guarantee or imply a similar outcome. Underwriting
criteria varies by state. Visit us online for guidelines. Admitted carrier rated A+ XV
by A.M. Best (rating effective July 2016). For the latest rating, visit ambest.com.
California Insurance License 0D08438
B4 U TXT:
Drivers who are texting
are 23% more likely to be
involved in a car crash
Protect yourself with this
essential layer of coverage.
Real-World Case Study: Just a quick text
Ashley and her BFF, Andrea, felt lucky to work
together and would often carpool, like they did the
evening of their weekly dinner with friends from
3 Reasons Why You Need a
Personal Umbrella Policy
college. Ashley couldn't remember what time they
were supposed to meet, so she sent a quick text
1. A standalone personal umbrella
to check.
policy adds a critical layer of
With her eyes on her phone, Ashley didn't see the
protection for your assets.
bicyclists in the crosswalk until it was too late.
Both cyclists sustained serious injuries, including head
trauma, lung collapse, broken ribs and multiple major
fractures. Andrea was not wearing her seat belt and
suffered a severe head injury, requiring hospitalization
and rehabilitation.
After Ashley's auto liability limits were exhausted, she
was held personally responsible for all outstanding
medical bills. Since she did not have significant assets,
2. You could be liable for any damage
resulting from an at-fault claim.
3. Most home and auto policies are
capped at $500K, which sure
sounds like enough. But what if
the injured party needs medical
assistance for the rest of their life?
Your property and future wages
could be at risk.
this meant her future earnings would be garnished
until the bills were settled.
If she had a standalone personal umbrella policy, it would have responded
for the full amount.
Claim: $625,000
CONTACT US FOR A QUOTE
Policies start at about $25 a month.
Jackson Insurance Services
997 East 3900 South, Salt Lake City, UT 84124
801.264.1100
offered througH
Sources: Centers for Disease Control and Prevention, Virginia Tech
Transportation Institute, distraction.gov. Figure based on nationwide average
premium of a $1MM personal umbrella policy for 2 homes, 1 car, 1 driver.
Premium billed annually. Names and identifying details in claims examples
have Been changed to protect the privacy of individuals. This information is for
educational purposes only and does not constitute legal advice or guarantee
or imply a similar outcome. Underwriting criteria varies by state. Visit us online
for guidelines. A.M. Best rating effective April 2016. For the latest rating, visit
ambest.com.California Insurance License 0D08438