Halloween is Unpredictable
Blog post content provided by PersonalUmbrella,com
Halloween is Unpredictable. Twice as many children are killed while out enjoying Halloween — more than any other day of the year, making it a risky night for drivers and trick-or-treaters alike. If an accident happens, this smart insurance can help take care of you and your family, wherever the incident happened — on a sidewalk, in the street or in a car.
A real world story
Jeff, a volunteer at his son’s school, was driving kids to trick or treat. John, a fellow volunteer dad, joined as a trusted adult.
As the group exited their vehicle, Richard, a local business owner who had taken prescription drugs, lost control and crashed into them. Tragically, a child was killed and all others were seriously injured, requiring hospital stays and long-term therapies.
Richard only carried state minimums and coverage for bills of this magnitude was exhausted quickly. But because Jeff had a personal umbrella policy with $1 MM excess UM/UIM, his medical bills and those of his passengers, were covered entirely.
Claim: $1MM
How excess UM/UIM insurance works
It protects you and your passengers when you’re not at fault for an accident and the other driver doesn’t have any (or enough) insurance to pay for essential medical care, lost wages, pain and suffering or
emotional distress.
In Kansas and Missouri
If you have questions about Umbrella polices and how they can benefit you, please contact us TCG Insurance Solutions at – 913-390-3220 or email Paul@tcgsolutions.us
Source: Safe Kids Worldwide. 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. California Insurance License 0D08438
Author: Paul Carrigan
Licensed agent in Kansas, Missouri and Ohio.
