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Understanding Excess or Umbrella Insurance Coverage Can Help You Protect Your Legal Rights and Remedies in Idaho


A personal excess insurance policy also known as "umbrella coverage" provides an additional tier of insurance coverage over and above the policy limits of a homeowner’s policy or automobile insurance policy.

Given the rise of medical treatment in the Treasure Valley, now more than ever it is important for people to consider carrying higher policy limits for personal liability coverage as well as for uninsured and underinsurance policy limits in order to protect your family and you from claims over and above your policy limits.

I recently discussed the need for uninsured motorist coverage and underinsurance motorist coverage. But any discussion regarding insurance coverages would be incomplete without mentioning how excess or umbrella coverages can provide the policyholder with supplemental insurance coverage at an competitive price in order to provide you with the peace of mind that you have sufficient insurance coverages in force and effect should a member of your immediate family or you are involved in a catastrophic accident resulting in severe injury to cover your medical expenses and other losses as a result of an auto accident.

Today, it is important for people to carry higher limits of personal liability coverage. In the event of a serious loss, your auto, homeowners and watercraft policies may not provide sufficient coverage to protect you in the event of a catastrophic loss. In the past year, I have had a number of clients with medical expenses over and above $100,000.00. A personal excess or "umbrella policy" can provide you with an additional tier of liability protection in excess of your primary homeowners, auto and water craft policies.

Not all excess or umbrella policies apply to uninsured or underinsurance polices. You should talk with a variety of insurance agents in your community to determine if their carriers provide excess coverage over and above uninsurance and underinsurance coverage. Ask the insurance agent (and get it in writing) that the excess or umbrella policy they are offering you covers you over and above your coverage for uninsured and underinsurance motorist coverage.

If you have a claim that involves bodily injury, you should seek a free initial consultation with an experienced personal injury attorney. There are few things in life that are free, but having a free consultation with Mr. Morton to talk about your claim is one of them! His clients are throughout all of Idaho including, but not limited to, Boise, Ada, Canyon, Elmore, Blaine, Twin Falls, Gem, Payette, Washington, and Valley counties and beyond. You may wish to review the testimonial section of Mr. Morton's former clients regarding their experience in having hired Mr. Morton as their lawyer.

Mr. Morton works hard for his clients in an attempt to secure justice on their behalf. He is a tireless advocate for justice who works with the objective to provide outstanding service for his clients. You may contact Mr. Morton to schedule a free initial consultation at 208.344.5555; toll free at 888.716.8021 or complete the online form.

Alan Morton
Advocate for Justice/Trial Lawyer