sharminlaw

Umbrella Policies and Your Palm Beach County Car Accident

An umbrella policy can be viewed as an extra layer of coverage that comes into play when your primary limits have been exhausted.  Umbrella policies usually have an explanation in them that states it is excess and over other valid and collectible insurance.  Typically, the insured must maintain underlying coverage for an umbrella policy to be effective.  These policies tend to be cheaper because they are not used unless you exhaust other insurance first.  Umbrella policies tend to receive favorable treatment in Florida courts; however, there have been instances when courts have placed an umbrella carrier in the shoes of the primary carrier over what was designed to be primary coverage.  If you have sustained injuries as a result of the negligence of another driver, your best course of action is to immediately seek the advice of an experienced Palm Beach County car accident lawyer to maintain your rights.