In today’s overly litigious society, it’s important to be protected. If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney’s fees, up to a limit set in the policy. However, you may want to have an extra layer of liability protection. That’s what a personal umbrella liability policy provides.
Have you ever wondered what determines your auto insurance rates? It may seem that those numbers have no rhyme or reason, but there are certain factors and criteria that most insurers can and do consider before coming up with that golden number.