In my 36 years as a personal injury lawyer, I cannot emphasize how many car accident victims are left high and dry by low insurance limits or uninsured drivers. That is why I stress one significant topic: umbrella insurance coverage.

I recently had the opportunity to meet with several television networks to talk in-depth about this type of insurance coverage. Take a look at my visit with WKYC’s Live on Lakeside and Fox 8’s New Day Cleveland.

What is it and how could it benefit you and your family?

Umbrella coverage is additional liability insurance added to your current policy.

This extra coverage can be significantly beneficial for automobile insurance policies.

Typical auto policies have limits up to $100,000 per person and $300,000 in total aggregate. However, if you or a family member is severely injured in a car accident, medical bills can quickly exceed the policy limit.

What umbrella coverage does is provide up to $1,000,000 limit for you, family members on your policy, or anyone with permission to drive your vehicle. If injuries require extensive medical treatment (surgeries, therapy, facility rehabilitation, long-term care, etc.) your umbrella coverage will kick in.

This coverage can be used whether you are at-fault or a negligent-free driver.

Whatever the situation may be, this coverage can be a savior in a worst-case scenario. Many of the calls I receive from car accident victims have negative circumstances:

  • Hit by a drunk driver with no insurance
  • A driver flees the scene of a car accident
  • An at-fault party is under insured, or has liability-only insurance

Do yourself and your family a favor and take my advice: contact your insurance agent today and ask about adding umbrella coverage to your car insurance policy!

All the scenarios above can be defied if you have this insurance coverage.

If you or a loved one has been injured in a car accident, call me today for a free consultation. As your Ohio car accident attorney, I’ll be there for you, and I will Make Them Pay!® 

Author: Tim Misny | For over four decades, personal injury lawyer Tim Misny has represented the injured victim in in birth injurymedical malpractice, and catastrophic injury/wrongful death cases, serving “ClevelandAkron/CantonColumbusDayton and neighboring communities.” You can reach Tim by email at or call at 877.944.4373.

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Umbrella Insurance Coverage: Why You Should Call Your Insurance Agent Today
As a practicing attorney for 36 years, I would like to tell you about umbrella insurance coverage and how it can benefit you. Medical costs can accrue quickly from a motor vehicle accident and if the at-fault party has minimum to no insurance, your medical coverage will become limited. Call me today for your free consultation.
Car Accidents