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What is Umbrella Insurance & How Can It Help?

Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the policy holder above and beyond the standard limits set on their personal policies. Generally, an umbrella policy is sold in increments of one million.  The most common coverage is either one- or lwu-milliuu dollars of insurance.

Example: In the event you cause a car crash and the value of the victims’ claim exceeds the amount of your underlying coverage, the umbrella policy is triggered. Therefore, if you have policy limits in the amount of $100,000.00 on your auto policy and the victim’s medical expenses, permanent impairm ent, lost wages, and compensation for pain and suffering exceeds $300,000.00 your umbrella policy will likely kick in for up to the policy limit of the umbrella.

Umbrella policies are no longer just for the wealthy. Many financial advisors recommend an umbrella  policy  when an individual’s  net worth exceeds $100,000.  Unfortunately, most people do not have enough insurance coverage. In the event your underlying auto insurance coverage is exhausted, and you do not have an umbrella policy, the victim can go after and potentially acquire your assets which you have spent a lifetime accumulating. In this day and age, medical expenses have increased dramatically and if you believe that $100,000.00 in coverage is sufficient to cover severe injuries you are mistaken.

Most people are simply under-insured, which we in Colorado sadly have become all too aware when it comes to hearing about victims of wildfires and under-insured homeowner policies that do not cover the devastation of a home that succumbs to fire destruction, or when it comes to lawsuit protection. Many Americans live below their means so that they have the opportunity to save and invest  to have a comfortable  future  for their families.  Unfortunately, one major  loss, due to injury or natural disasters, can destroy a lifetime of working and saving.

The beauty of an umbrella policy is it is amazingly inexpensive, usually about $150-$300 per year for a million dollars of coverage. About $75-$100 per year for each additional million dollars of coverage. And, YES! You heard correctly, a couple hundred dollars per year, not per month, can afford a substantial umbrella policy to protect you, your family, and your investments.

If you have any questions regarding umbrella insurance policies, please contact the Denver personal injury attorneys at Bell and Pollock, P.C. who are more than happy to help you understand what additional insurance coverages may be available to you to protect you and yours.

And remember , you can  have any one of our books. Just go to our website CHAMPIONS OF THE PEOPLE.COM or download a free copy, valuable information, all for free.

Dana N. Miller, Esq.

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Call a trusted attorney at Bell & Pollock, P.C. at (303) 795-5900 to get on the road to recovery now. You can also email our firm via the contact firm on this page.

As proud champions of the people, our lawyers are ready to answer your questions, explain the law and your rights, and help you take whatever steps necessary to recover the compensation you’re entitled to. With us in your corner, you can be confident that you have the legal support and representation necessary to successfully resolve your claim.

Don’t delay your recovery for a second longer – and don’t be misguided into thinking that you have to go through the process alone. Our attorneys are here, ready to help – and you won’t have to pay us anything until (or unless) there is a recovery in your case.

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Case Results

WE KNOW HOW TO WIN

CASE: Client was injured by a drunk driver. As a result of the motor vehicle accident, client was rendered a quadriplegic and needed a life care plan.
Outcome: $9,600,000

CASE: Against Insurance company for failure to pay for property damage after a gas and fire explosion.
Outcome: $1,600,000

CASE: Medical malpractice for failure to diagnose a descending aorta aneurism, resulting in death.
Outcome: $1,300,000

CASE: Neck and back injuries from car accident. Client had ongoing symptoms and needed injections for attempted remediation of pain.
Settled for $485,000

CASE: Client was injured in a 2 vehicle collision. She suffered a traumatic brain injury, concussion and multiple injuries to the neck.
Outcome: $6,000,000

CASE: Client was in her car and was T-Boned by a commercial vehicle. Her cerebral spinal fluid leaked and she suffered a concussion and traumatic brain injury with neck and lumbar (low back) injuries. Her neck injury caused radiating pain, numbness and tingling in her arms.
Outcome: $3,400,000

CASE: Client was driving on a rural road when another car crossed the center line and caused a head-on collision in the snow and ice. Client did physical work for a living. Both knees were injured, along with a neck injury.
Outcome: $2,300,000

CASE: Client was driving on South Parker road when another vehicle rapidly changed lanes and rear-ended the client. That vehicle was cited for careless driving. The collision caused a concussion with traumatic brain Injury. Client missed time from work and had a positive correlation between brain scan and neuropsychological test results.
Outcome: $950,000

CASE: Client was rear ended by a dump truck, was then knocked forward and hit another vehicle. Client had a concussion with traumatic brain injury. Client underwent a brain scan which showed hypoperfusion, correlated with her concussion symptoms. Client suffered neck injuries and injuries to her low back.
Outcome: $650,000

CASE: Client was rear-ended. The mechanism of injury from the forces in the collision caused her neck injury and at the same time, damaged her organs inside her throat. Client had swallowing and choking issues.
Outcome: $1,250,000

CASE: Client was in a motor vehicle accident. Both injections in the neck rendered some temporary relief. The Injections were transforaminal epidural steroid injections. Surgery was recommended on the lumbar (low back). The low back was injured by the forces in the collisions.
Outcome: $933,000

CASE: The client was driving in her car and was rear-ended thereby causing injuries to her lower back and neck. Client also suffered a concussion. Client had to undergo facet injections multiple times, through multiple procedures. Client also had cognitive issues which required cognitive training and therapy.
Outcome: $400,000

CASE: Client was entering a highway from an on ramp and was rear-ended by a commercial van. Client tested positive for Thoracic Outlet Syndrome and failed conservative treatment. Client underwent thoracic outlet syndrome surgey, which involved removal of the first rib to attempt to relieve pressure in the thoracic outlet. Client also suffered a back injury.
Outcome: $750,000

CASE: Client was injured by a drunk driver, who crossed the center line of the road. Client underwent multiple surgeries and could not work. Client was late 40s and needed a modified life care plan.
Outcome: $750,000

CASE: Client was rear ended by a tow truck driver who was a diabetic. The diabetic at fault party was a non-compliant diabetic and claimed he had a syncope episode, and was “blacked out”. Client had a preexisting back condition known and the forces from the collision aggravated, or made worse, the preexisting back condition in addition to, causing neck injuries.
Outcome: $350,000

CASE: Client was a passenger in a car where the driver fell asleep on a country road in the early morning hours. The car rolled multiple times. Client had eye injuries, facial injuries and neck and knee injuries.
Outcome: $850,000

CASE: Client was on the job, driving her own car, when she was rear-ended. She suffered a concussion with traumatic brain injury and pursued Workers Compensation Claim.
Outcome: $150,000

CASE: Client slipped and fell on snow and ice in Central City. He suffered back injuries, that did not require injections.
Outcome: $125,000

CASE: Client slipped and fell on snow and ice on a sidewalk in front of a business. She had to have knee surgery and multiple injections in her back.
Outcome: $175,000

CASE: Client was visiting a friend who was renting a house. Client tripped on untreated, dangerous section of deck and injured his back.
Outcome: $150,000

CASE:Client was rear ended and needed fusion spinal surgery. Insurance proceeds were limited.
Outcome: $125,000

CASE:Client was rear-ended and had to have rotator cuff surgery. Insurance proceeds were limited.
Settled for $65,000

CASE:Client was at Denver International Aiport traveling through Denver, slipped and fell and broke her ankle.
Settled for $118,750

CASE:Client was exposed to mold in a multi-family dwelling that was caused by leaking water.
Settled for $125,000

CASE:Motorcycle accident, reconstructive surgery, post-traumatic stress disorder, neurological injuries
Settled for $1,275,000

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I could not have made a better decision than to call Bell & Pollock with my case. Dana Miller and her team were the best.
Brian B.
THEY WERE VERY PROFESSIONAL, KEPT ME INFORMED AND DID WHAT I WOULD CALL A SPECTACULAR JOB- THEY SEEM TO PREACH "LEGAL GAME PLAN" AND EVEN WROTE A BOOK ABOUT IT- IT BASICALLY MEANS THEY HAVE STRATEGIES FOR YOU AND YOUR CASE AND I MEAN EVERYTHING WAS SOUND AND ANALYZED.
Jason H.
I appreciate brad and his team the bell and Pollock attorneys are by far the best ones i have ever worked with.
Aliviya D.
Brad Pollock is educated, experienced, and is the world's greatest attorney. Marlena Elsloo helps him focus in on the most important issues.
Kathy T.
He is very professional and we would recommend Mr. Bell to anyone who is looking for an attorney.
Dianna C.
He was kind, compassionate and knowledgeable, but also tenacious when working with the insurance companies.
Michelle K.
I was blessed to be put in contact with Dana, who not only provided me free feedback and counsel when we spoke on the phone, but also took the time to call me back on multiple occasions to check on me.Dana Miller, you are a sweet, caring and amazing person and I appreciate all your help.
Grady C.