Why You Need Umbrella Coverage

“I have been there so many times before and NOW I will be there for YOU and your family.”
- Tim Misny - The man that “Makes Them Pay!®”

“Please understand that the slogan, I’ll Make Them Pay!® is not a guarantee of payment. Both liability and real damages must be proven with preponderance of the evidence.” – Tim Misny

Why You Need Umbrella Coverage

You Get What You Pay For

The best free, friendly advice I could possibly give you is to purchase “umbrella” coverage as part and parcel of your automobile insurance policy.

If I had a quarter for every time, in
my 38-year career , that there was inadequate insurance coverage to compensate my client as a result of a bad automobile accident, we could all go to Vegas for a month.

In terms of automobile insurance coverage an “umbrella” policy is just that. It is insurance in addition to your already existing auto policy. For instance, if you have a $100k/$300k auto insurance policy (meaning $100k is available per person and $300k is available in the aggregate), you could purchase an umbrella of $1,000,000 that would be available if the underlying policy is insufficient to cover damages.

This additional coverage will cover you, your family, and/or anyone using your vehicle with your permission, whether they are at fault in an accident or a negligence-free victim. Typically, the annual premium for an umbrella policy can be well under $1,000 a year.

The need to obtain such coverage is overwhelming. Most drivers, and I’m saying at least 50% of the users of the public highway, if not more, either have no insurance or the state minimum.

Therefore, one would have to assume, for insurance purposes, that if they or a loved one are made a victim in a car accident, the offending party WILL NOT have sufficient coverage.

The damages in car accidents can include medical bills and lost wages, future medical treatment, therapy, surgeries, and rehab, as well as potentially a lifetime of diminished earning capacity.

The aggregate of these damages can exceed seven figures in a heartbeat.

It is my experience that insurance agents as a matter of common practice do not inform their clients as to the existence of “umbrella” coverage.

Recently, I represented a family whose daughter was severely injured in a car accident. The offending party had minimal coverage. My client was living with her parents and driving her father’s car at the time of the accident.

Her father carried a $100k/$300k policy. Though I valued her case at approximately $2.5 million, tragically, we were limited to her dad’s $100,000 policy.

When I asked her father, a well-educated health care professional, if he had an “umbrella,” he said, “What do you mean…for rain?” In his 25-year-relationship with his insurance agent, the agent NEVER explained to this gentleman, the existence and compelling need for an “umbrella” policy.

I find that to be reprehensible.

Unfortunately, Ohio courts have found that shockingly an insurance agent owes no fiduciary duty to his or her clients. That is utter nonsense. The reason why insurance companies do not explain and recommend “umbrella” policies is because that’s when they have to pay out the big bucks.

Time and time again, I encounter the situation wherein an insurance agent fails to recommend an “umbrella” and consequently, the client is involved in a bad accident and there is not enough coverage to make them whole.

While insurance agents typically do not recommend “umbrella” coverage, they do suggest medical payment provisions. A medical payment provision is an amount of money available, typically $5,000, for payment of medical expenses incurred in an accident.

The caveat, however, is that medical payment provisions can only be accessed if there is no other available medical payment coverage, such as workers’ compensation and/or a person’s own health insurance. In the rare instance that a medical payment provision is accessed, virtually every insurance policy has a subrogation clause that demands that the auto policy be reimbursed dollar for dollar once the claim is resolved.

In essence, people pay a significant amount for medical payment provisions that they are rarely able to use. Instead of paying a premium for medical payment provisions, people would be much better off using those same funds to purchase “umbrella” coverage.

Do yourself a favor, pick up the phone today, and call your insurance agent. Ask about the affordability of “umbrella” coverage for you and your family.

And, when he or she is done giving you a quote, ask them why they never told you about it in the first place.


The Law Offices of Tim Misny
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PJ Camargo/Authentik Movement Training
PJ Camargo/Authentik Movement Training
01:51 22 Oct 20
I've had the pleasure of getting to know Tim personally over the past 2 years. Beyond him being an incredible lawyer &... 'Jack of all trades ' he is an amazing friend. One thing I love most is that he is family oriented & always making quality time for his loved ones. He inspires me to be a great role model &father figure one day. Tim loves nature & shares the true beauty of nature with how he raises his kids. From biking through trails & having his kids learn how to nurture the family garden - he teaches valuable lessons on how to appreciate the world we live in. I know that Tim is just a phone call away & always urgent to responding no matter the situation. He has given me some of the greatest advice & continously throwing positive energy my way! I'm honored to know him & be a friend of his. He is the true practioneer of changing lives & paying it forward. He has taught me so much in just a short amount of time. Tim Misny, a man that wakes up every single day to make a difference!read more
Scott Plate
Scott Plate
16:49 10 Oct 20
Tim has created a highly visible and effective law practice, and despite his decades of experience, he has never once... forgotten why he got into this business in the first place: to help people. He puts his whole heart into his work, and he works hard for everyone he represents. He has a gift for tuning out the noise and tuning into the core of what his clients need, and making it clear he has heard them. As a result, we feel empowered. He is smart, resourceful, creative, positive, and solution-oriented. His abundant energy makes people feel better, stronger, and valued. He loves and promotes his community; he gives back generously, and he always leaves everything better than he found it. Tim is a true man of action, and a man of his word. Could not recommend him more highly.read more
Mike M
Mike M
04:44 09 Oct 20
As a young man, I worked at a local garden center. I came from a family that had too many problems to list. I felt I... was never destined to be anything good. I had always wanted to be a police officer since I was a little boy. But, one side of my family told me that I would never be good enough to do it. Anytime I brought it up, they knocked me down until I started to believe that I could never accomplish my dream. One day, about 20 years ago, while working at that garden center, a very tall man came in and asked me to help him select plants. As we walked around the garden center, he struck up a conversation with me. He was very friendly and kind. I was a skinny teenager in dirty blue jeans and a t shirt. This man was dressed very nicely and I was surprised at how nice he was to me. During our conversation, he asked me what I wanted to do with my life after school. I told him that I wanted to be a police officer but many people told me that I’d never make it. I told him how my very own father said I wasn’t smart enough, brave enough, and I was wasting my time. I remember looking at the ground while I explained this to him. The man stopped and got serious. His voice dropped an octave and he looked me dead in the eyes. He pointed his finger at me and told me that I could make anything of my life that I wanted. He told me that it was up to ME to make my life goals come true. He told me to ignore anybody who tells me otherwise. He assured me that if I studied hard in school and never gave up on my dreams that they would become a reality. He told me to say it. I said “I can do it”. In that moment, I thought that if a complete stranger saw something in me, than maybe it could be true.After I helped him through the checkout and he left, many different employees at the garden center asked me if I knew who that man was. I did not. They told me, “That’s Tim Misny!” Once I figured out “who” Tim Misny was, my confidence grew. It was a pivotal moment. One in which steered the rest of my life. His words stuck with me. I worked hard and obtained my Associate’s Degree in Criminal Justice. I was hired by a local Law Enforcement Agency at the age of 21. I was sent to the Ohio State Highway Patrol Academy, which was an extremely tough place to be, to say the least. At the Academy, they try to break those who don’t have a determined spirit. On days I wanted to quit, I remembered Tim’s words. Maybe it was fate, maybe it was random chance.... I’ll never know But, Tim Misny helped me have the confidence and determination that was necessary to be where I’m at today. I’ve been a law enforcement officer for over 16 years. I’ve told this story to many of my coworkers.Tim, you’ll never understand how your words that spring day helped shape my future. Your words enabled me to provide a great life for myself and my family. I’m forever grateful.Mikeread more
Eric Evans
Eric Evans
21:02 04 Oct 20
Tim has represented me twice, once 30 years ago and again just recently. I was too young to fully appreciate his... expertise when he represented me the first time (as i was a minor who was the victim of an accident - he won for us, incidentally), but I'm old enough and wise enough now to really appreciate how truly great he is. First off, how many attorney's actually give you their cell phone number and actually answer? I would contend very, very few. Secondly, he has a street fighter mentality combined with a sharp legal intellect which makes you immediately think "I'm so glad this guy is on my side." I was really in a bind recently and Tim came through in spades - he is THE person I would call if I were in trouble or needed help - at a minimum he would know who I should talk to and direct me there (he knows his own limits, which is the key to a wise person) - at a maximum he would take on my fight himself and I'd have full confidence in his ability to deliver the best possible outcome for me - he fights for you like you're family - can't say it better than that.read more
Benjamin Firstenberg
Benjamin Firstenberg
19:32 28 Sep 20
I worked as an intern for Tim the summer of 2017 and it was an unbelievable experience both for my career and personal... development. He treats his employees with a level of respect, appreciation and honesty that I've truly not seen anywhere else that I've worked. We've stayed in touch these past few years and I'm still learning from Tim, whether it be the way he sees the world, his career advice or his commitment to his family. He's an honest man who treats people honorably.read more
David Shelton
David Shelton
01:13 30 Jun 20
I don't know much about Tim the lawyer, but I do know about Tim the man. Tim the man befriended me as a youth and gave... me the motivation to excel in school. Tim the man wrote the letter that got me into college and got me a helpful scholarship. Tim the man gave me an internship while in college. Tim the man has been a friend to me for over ten years. He makes himself available day or night whether I need advice or just want to talk about the day. There a lot of stigmas about attorneys (and they are earned) but Tim Misny bucks the stereotype. And if Tim the lawyer is half a good as Tim the man, he will live up to his word, and make them pay.read more
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The Law Offices of Tim Misny

Cleveland Office
3100 E. 45th St.
Suite 444
Cleveland OH 44127
Mailing Address:
Interstate Square I
4230 Chillicothe Rd. Ste 200
Willoughby, Ohio 44094

Disclaimer: All lawsuits are different and the Law Offices of Tim Misny make no representation or promise that it can obtain the same results in other legal matters. Order ED Drugs at Ohio Pharmacy Online Nothing in this webpage constitutes a guarantee, warranty, or prediction regarding the outcome of any future legal matter.