At V.F. McNeil Insurance, we discuss umbrella insurance daily with Connecticut residents. While many have heard of it, they often lack a full understanding. Some are completely unaware of it, while others recognize it but believe they don’t need it because they consider themselves careful and unlikely to face such situations. Our role is to educate individuals with income and assets to protect about what umbrella insurance entails and its significance. It represents one of the best returns on investment, providing invaluable peace of mind. Allow us to share a recent incident that underscores the importance of this essential insurance protection.
Neighbor A believed they were covered when they installed an electric fence to contain their occasionally aggressive dog. However, they hadn’t anticipated what happened next.
Neighbor B was walking her dog when Neighbor A’s dog charged towards them, barking aggressively. Startled, Neighbor B’s dog froze and fell to the ground. In her attempt to avoid the situation, Neighbor B fell over the top of her dog and suffered serious injuries, requiring extensive surgery.
Neighbor A was deemed negligent for failing to control their dog, resulting in legal responsibility for Neighbor B’s injuries.
This incident underscores a crucial point: dog-related accidents can lead to severe injuries. They happen every day across the nation. Even well-behaved dogs can inadvertently cause harm by jumping on or tripping people. Larger dogs can knock someone over, while smaller ones may unexpectedly dart underfoot.
In this case, the liability limits of Homeowner A’s insurance were exhausted. Fortunately, they had umbrella insurance, which provided additional coverage in such unforeseen circumstances.
Umbrella insurance offers crucial protection beyond what standard policies cover, safeguarding against unexpected liabilities like this one. It’s a valuable safety net for homeowners, ensuring financial security when incidents exceed regular insurance limits.
Consider umbrella insurance to protect yourself from potential liabilities that standard policies might not fully cover. It could make all the difference in protecting your finances and assets in unexpected situations.
Contact our team today (203)481-2684 with questions you may have about this crucial yet affordable coverage. We are always happy to help.
