Tag Archives: uninsured motorist

Why Teen Drivers make Umbrella Policies a Necessity

Car Insurance

The following story was related to us from one of our partners… 

“Mark’s summer internship in the city was a dream come true for a 17-year-old — especially because he got to drive there every day in his very own car.

TAKING THE WHEEL
His parents made sure he bought the car with his own money and also paid for the insurance, so this job definitely helped. Mark carried state minimums since that was all he could afford.

TEEN DRIVERS ARE INEXPERIENCED
While parallel parking early one morning, Mark accidentally hit the gas instead of the brake pedal while in reverse. Just then, Erica, age 32, stepped off the curb to cross the street between the parked cars and became pinned between them. The accident led to the amputation of Erica’s legs.

She was flown to a nearby hospital to receive treatment and after her extensive inpatient care, she required a special amputee rehabilitation team to aid in her recovery process. Her post-acute treatment included physical rehabilitation, expert fitting and custom-manufacture of a prostheses to help her regain function and mobility and psychological services.

HOW A PERSONAL UMBRELLA HELPED
Mark’s minimum coverage for Erica’s medical bills was quickly exhausted since he was underinsured for this type of accident.

Since Erica had a $2 MM standalone personal umbrella policy with $1 MM excess UM/UIM, it kicked in after the underinsured motorist on her auto was exhausted to take care of her outstanding medical bills.”

Claim: $1.5 MM

An umbrella policy is a stand-alone policy that allows you to both protect your assets and protect yourself from the underinsured.

Even if your teen is already insured under your policy, you may want additional protection.

Those who don’t have teens are still in need of a policy that protects them from underinsured motorists. You can’t rely on others to have the proper insurance.

New teen drivers are hitting the road this summer. Contact us today to find out how our standalone personal umbrella policy with limits up to $10 MM can help protect your insured.

Would You Be Covered For These 3 Auto Insurance Claims?

Auto insurance will cover a number of strange incidents while on the road.

Auto insurance is one of the most common insurance policies out there. From claims of fender benders to stolen vehicle claims, many people know the basics of what their policy will cover. However, your car insurance policy will also provide coverage for some strange issues. Keep these strange auto insurance claims in mind to see if you have the protection that you deserve.

  1. Three car pile up caused by a mattress – a couple forgot to tie down their mattress to the top of their vehicle before taking off. As they were driving down the freeway, the mattress came loose and landed in the middle of the road, causing a three car pile up. Unfortunately, the three affected drivers did not have uninsured motorist coverage, leaving them to cover the repairs on their own after the mattress owners left the scene.
  2. Hail insurance fail – after a heavy hail storm in the 1990s, one driver made a claim to their car insurance company for hail damage. After looking at the damage, and insurance adjuster found out that the damage was actually caused by a ball-peen hammer. After the claim for hail damage was denied, the owner of the vehicle then made a vandalism claim to their auto insurance policy for the ball-peen hammer damage.
  3. Shotgun rider – one man made a claim to his auto insurance company after his shotgun fell out of his hands and destroyed the entire cab of his truck. He didn’t know if the gun went off when it hit the ground or when his hand slipped while grabbing for the weapon. Luckily, his comprehensive coverage paid for the necessary repairs.

To ensure that you have the right Conejo Valley auto insurance policy to provide coverage for any incident that you may encounter, contact the independent insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.