ANPAC
UmbrellaSM - Personal Liability
What
would you do if a legal judgment against you was greater than your primary insurance
limits?
Everyday you hear about high dollar judgments that have been
awarded to injured parties. Accidents are bound to happen and today's litigious
society paves the way for many additional high dollar lawsuits. A legal judgment
against you that exceeds your primary insurance limits could leave you in a financial
bind for the rest of your life.
Take for Instance:
You are
late for work and run a red light. As a result, your car hits a school bus and
several young passengers are injured. One of the passengers is a 13-year old who
suffers severe brain damage.
The family of the 13-year old sues you and
receives a judgment for $750,000. Your primary automobile insurance coverage limit
is $300,000. Who pays the remaining $450,000? You do!
This type of judgment
could involve attachments to assets like your:
-
Home
-
Paycheck
-
Savings Accounts
-
Stocks
-
Bonds
-
Mutual Funds
-
Car
-
Boat
-
Many more!
ANPAC's Personal UmbrellaSM policy
provides:
Up to $5 million additional
financial protection for your family over your primary limits includes:
-
Bodily Injury
-
Property
Damage
-
Libel
-
Slander
-
Wrongful Eviction
-
Defamation
of Character
Minimum Primary Limits Required:
Automobile Liability -
*
$250,000/500,000 - Bodily Injury and
* $100,000
Property Damage
Personal Liability -
* $300,000 - Comprehensive Personal
*
Liability and Homeowners
Farm Liability
-
* $500,000 - Farmers Comprehensive
Liability
Watercraft Liability -
* $300,000 Watercraft Liability
Rental
Owners Liability -
* $300,000 - up to
10 locations (not to exceed
* 4 units per location,
total of 20 units
*
Requirements may vary by state.
American National Insurance
Company, Galveston, TX
American National Property and Casualty Company,
Springfield, MO
These
brief descriptions of coverages available are for illustrative purposes
only, and are not intended as a statement of contract. For actual terms
and conditions of coverage provided, refer to your insurance policy,
or, for more information about coverage options and availability, talk
to your American National agent. All products, coverages, and options
are not available in all states, and eligibility guidelines apply. American
National Family of Companies reserves the right to discontinue programs
at any time.
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National Insurance Company, it's subsidiaries or affiliates. Such links
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by American National, its subsidiaries or affiliates.
