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Auto Insurance: Do I need umbrella coverage? Driving through some regions of South Florida can feel like stepping into a movie or an alternate reality. In these places, you’ll see massive homes with luxury yachts docked nearby and stunning cars like Lamborghinis, Ferraris, Rolls Royces, Bentleys, or Bugattis parked in their spacious driveways.
These high-end vehicles also cruise along the highways, sharing the road with your more modest car. But have you ever considered the financial implications if, distracted by all that beauty, you were involved in an accident with one of these vehicles and your property damage liability (PDL) coverage was only $20,000? The amount you thought would cover any potential accident may not even come close to handling the damages, leaving you with a significant financial burden.
You’re in a head-on collision with a Bentley—a car worth more than your mortgaged home. What would you do then?
While we can’t predict how you’d navigate such a challenging situation, we can suggest how to help prevent it. The solution? Umbrella Insurance for your auto policy, providing you with the peace of mind that you’re fully protected in any situation.
As the name suggests, an Umbrella Policy acts as an extra layer of protection over your primary coverage limits. If the cost to repair the Bentley is $105,000, and your liability coverage only covers up to $20,000, the Umbrella Insurance would handle the difference.
A typical Umbrella Insurance policy also offers extra liability coverage for injuries and potential lawsuits. It’s a surprisingly affordable addition, and the cost depends on the limits you want to set, making it a practical and accessible solution for your insurance needs.
If you think you need extra protection for your auto insurance, reach out to 51³Ô¹ÏºÚÁÏÍø. They can provide more details about this and other policies that can help you fully protect your finances. Auto Insurance: Do I need umbrella coverage?

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