No one wants to be involved in a lawsuit. The most common way for people to be involved in a lawsuit is after an accident when someone is injured, usually an automobile accident.

If you live in Scranton, PA, you may have even seen an accident yourself or been involved in one. An umbrella policy from Bartal Insurance won’t keep you from being in an accident, but it could keep you from having to deal with a lawsuit after an accident.

How Does Umbrella Insurance Work?

With a standard policy, such as a homeowners or auto insurance policy, you have specific policy limits. Especially when there is a serious accident, an accident victim could use up the money from those limits quickly. Even what looks like a minor fall could result in months of physical therapy.

Once you hit your policy limits, the insurance company won’t pay any more on the claim. At that point, you become responsible for paying for everything out of pocket. If you have an umbrella policy, though, you have extra protection.

Once you have reached the maximum limits on your other policies, your umbrella policy will kick in, and you will continue to pay on the claims. Umbrella policies tend to be large, usually coming in increments of $1 million, so you should be protected.

An Umbrella Policy Saves Money and Stress

If you don’t have the money to pay a claim, the injured party is more likely to file a lawsuit. That is the only way they have to recover, and their insurance company may insist on a lawsuit.

Your Scranton, PA umbrella policy will also pay for attorney fees when there is a claim or a lawsuit. If you are interested in having a higher level of protection for yourself and your family, call Bartal Insurance today.