What is a Personal Umbrella Policy Anyway?

Maybe you’ve heard of umbrellas. Maybe you haven’t. I don’t mean the kind we’ve been using all summer long to combat Indiana’s unpredictable weather.   I’m talking about a personal liability umbrella policy.   Or maybe you’ve heard of it but it was called something else?   A Personal Umbrella By Any Other Name Would Smell as Sweet It’s...

How to spend $200,000 in one Fender Bender

“I wasted countless hours in a courtroom across from a guy with bandages on his thumbs.”  In today’s world, it’s an all too familiar story AND it’s the reason you have liability insurance. My friend from soccer was sharing with a group of guys between matches: “So I rear-ended this guy at like five miles per hour.  Just a fender bender.  Both of us got out and quietly...