Are You, Your Spouse, or Child High-Risk Drivers – Consider Personal Umbrella Insurance Coverage

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Be honest when you answer this question. Are you (or anyone covered by your auto-insurance policy) a high risk driver? If yes, then this blog post can (and should be) a sobering read. Do you have someone in your family that you even suspect has operated (or will operate) a vehicle while impaired? If yes this should scare you sober because should that person injure or kill another with a motor vehicle you could very likely be successfully sued far beyond the limits of your automobile personal injury liability coverage. In that case, your personal assets (car, house, investments, retirement savings, checking and savings accounts, and even future income) goes at risk to settle that judgement. What are your options to protect against this unthinkable situation?
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