WHEN TEENS TAKE OFF: Half will be involved in a crash before graduating


A personal umbrella policy can help protect you

Umbrella policies can provide more than additional liability. You can have coverage for injuries you sustain when the other driver does not have enough liability coverage. Here is a great article with a real life example of when this coverage provides protection.


Mark’s summer internship in the city was a dream come true for a 17-year-old — especially because he got to drive there in his very own car.

His parents made sure he bought the car with his own money and also paid for the insurance, so this job definitely helped. Mark carried state minimums since that was all he could afford.

While parallel parking early one morning, Mark accidentally hit the gas instead of the brake pedal while in reverse. Just then, Erica, age 32, stepped off the curb to cross the street between the parked cars and became pinned between them. The accident led to the amputation of Erica’s legs.

She was flown to a nearby hospital to receive treatment and after her extensive inpatient care, she required a special amputee rehabilitation team to aid in her recovery process.

96% of teen crashes will be caused by driver error

Her post-acute treatment included physical rehabilitation, expert fitting and custom-manufacture of a prostheses to help her regain function and mobility and psychological services.

Mark’s minimum coverage for Erica’s medical bills was quickly exhausted since he was underinsured for this type of accident.

Since Erica had a $2 MM standalone personal umbrella policy with $1 MM excess UM/UIM, it kicked in after the underinsured motorist on her auto was exhausted to take care of her outstanding medical bills.

Claim: $1.5 MM

Contact us for a quote

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