Why We Personally Recommend a Personal Umbrella Insurance Policy

Here’s a closer look at what umbrella insurance can do for you.

You’ve worked your whole life and have done quite well for yourself. You have a home, a car, support a family, and maybe even have a boat or a vacation property. But your security is something you shouldn’t take for granted. All of these things could be at risk under the unfortunate situation that you get into a lawsuit.

Hope for the best, plan for the worst.

Car accidents are an upsetting reality. They do happen and there can be major damages. If you cause an auto accident, you need to be covered. Your auto policy could possibly not cover all of the property damage, injuries, and subsequent lawsuits. An umbrella policy will cover you for these things once you max out the limits of your auto policy.

Lawsuits happen.

Someone may have an accident on your property or sue you for the injury. It’s not at all uncommon when someone trips on a loose step or slips by the pool. When you hit the liability limits of your homeowners insurance, an umbrella policy gives you extra coverage for just this sort of event.

How does it work?

Many people don’t know how an umbrella policy actually works. Well, it’s simple. Something happens. An auto accident, you are sued, etc. Your umbrella policy is protection that kicks in after your home or car insurance when the amount you must pay exceeds what your policy covers. It can cover a wide variety of liability situations. The typical policy covers anywhere from an $1 million to $10 million. Umbrella coverage is also very affordable!

Don’t take it for granted.

Be sure and take a look at your umbrella policy from time to time to see to what extent and under what circumstances you are covered. It may surprise you. It’s better to be surprised now so you can update your policy than when it’s too late.

For all of your umbrella insurance needs throughout California, contact Stromsoe Insurance Agency.

What To Do After A Traffic Ticket

Got a traffic ticket? Here’s what you can do to minimize the damage.

A car accident causes physical damage. It might seem like a traffic ticket would be preferable, then, but the financial damage a ticket can do might leave you wishing you’d been in a fender-bender instead!

The good news is there are some things you can do. If you find yourself up against a traffic ticket, here are your options moving forward.

Option 1: Go to School If you hit traffic school, you might find yourself watching the hours tick by but you’ll also find yourself removing points from your license and your ticket from your record. In short, it’s worth the hassle (especially considering you can usually do it online) to remove the long-term repercussions of your infraction behind the wheel.

Option 2: Go to Court If you believe you have solid evidence that you didn’t do anything wrong, you can go to court and contest your ticket. If you win your case, you’ll be able to remove the ticket from your record, points from your license, and all other penalties you’d otherwise face. Just be prepared to spend a day in the courtroom fighting for your case.

Option 3: Get out your Wallet While not ideal, paying for your ticket is a whole lot better than facing further legal ramifications! Even if it’s a fairly sizable fine, paying out for your mistake can save you a serious headache—and even jail time—down the road. It’s worth the cost to put your ticket behind you.

A ticket could result in significantly higher premiums – unless you have an auto insurance provider who’s committed to working with you to keep your coverage affordable. For that kind of service throughout California, contact Stromsoe Insurance Agency.