Umbrella Insurance for Drivers Summary

Umbrella insurance adds extra liability protection beyond standard policies, covering large claims and lawsuits.
Distracted driving leads to rising accident rates, with courts awarding higher settlements that exceed auto policy limits.
It covers legal fees and damages above the limits of your regular insurance, protecting your assets.
Auto owners, especially those with high-risk factors like teen drivers, should consider umbrella insurance for full financial security.
Growing court settlements in distracted driving cases make umbrella insurance essential for comprehensive coverage.