I’m talking about an Umbrella Policy on your insurance.

But, not because I’m trying to sell you one, but because you NEED one. Look, life happens. We know because we hear about the claims every day. We get the calls from people, like you, every day about their “fender benders”, or wrecks where your car is totalled and you’re still a bit panicked about what to do next. These are situations we are well versed in, and we have plans to help walk you through the next steps. But, what about the situations you’re not prepared for? What happens if you accidentally hit a pedestrian or motorcyclist? What happens if they pass away? I write this, not just because it recently happened to one of our clients, but because my friend was one of those motorcyclists.

You see, my friend Jamie was riding his motorcycle on his way home from work one day. He had just gotten done teaching for the day, and was on his way home to make dinner for he and his wife. A motorist looked left and right, but didn’t see him, and turned left from an intersection into his lane. He crashed, flipping over the car and being flung several yards down the road ahead. He didn’t make it. In one split second his life was taken and our community’s world changed forever. The motorist who hit him was underinsured, leaving his wife with very few choices but to file suit against the driver for medical bills and the loss of her husband’s life.

This same scenario recently happened to one of our clients, a good driver with nothing on their record. They looked both ways, simply didn’t see the motorcyclist, and in a split second their life was changed forever. The cyclist in this scenario passed away as well. The driver had great insurance coverage, but had declined to take one further step of protection and purchase an umbrella policy. The driver had good limits and deductibles on their policy of 100/300, but how do you compare 100k or 300k to the loss of a life? Is that all you think the cyclist’s family thought his/her life was worth? Of course not. But once those insurance limits were exhausted, where do you think the rest of the money to pay for the loss comes from? Your house, your wages, your retirement fund are now all suddenly on the line.

You see, when we help you buy insurance that will protect your quality of life in the event of a claim. This scenario is what we are talking about. By simply investing a few more dollars a month, there could have been an umbrella policy and blanket of protection anywhere between 1 to 5 million dollars. While the accident would still remain a traumatic experience, it wouldn’t have to ruin you financially as well. There would be a buffer of protection to make sure your family, and the things you work so hard for, aren’t gone in an instant, and that other parties involved are hopefully looked after as well.

At the end of the day, it doesn’t have to be a car wreck that turns your life around. Does your family own a dog? Has it ever accidentally jumped up on someone? Seems like a pretty normal, everyday thing for a lot of dogs. What happens when the person it jumps on falls down and breaks a hip? What happens when they then have to move into an assisted living home for the rest of their life? Where do you think that money comes from? If it can happen to one of our clients, it can happen to you. It doesn’t have to be a car wreck scenario, that you think you can avoid, that puts your livelihood in danger. It’s the actual “accidents”, the unforeseen, that end up putting families in these precarious positions. All it takes is the right lawyer on the other side of the scenario to turn a small accident into a large payout claim. You’ve seen and heard the commercials. “One Call, that’s all.” They are out there and waiting by the phone for their next clients.

This whole post may seem very alarmist. I get it. But, the truth is, it happens every day to people all across Georgia. That’s why we love our job and take it so seriously. We aren’t in the job of selling insurance. Our job is protection, and we will suggest the best, most extensive coverage, at the best rate available, every time. You’re welcome to decline it, but that won’t stop us from offering it to you.

We’re here to help you take a look at your insurance plan and see how an umbrella policy can give you an extra layer of protection. We will look over all your policies to find any holes or gaps in coverage, and suggest how to better protect your family and assets. Then you and your family can rest easy, knowing that you’re covered by an umbrella of protection. Take a deep breath and let us handle the rest. We’re here for you and we’re only a phone call or click away.

Call us now!  770-424-6762
Or, visit us at www.dickersonagency.com