Understanding Umbrella Insurance
What is umbrella or excess liability insurance? A simple definition is that it's an insurance policy that provides coverage above and beyond your auto and home policy limits—think of it as an umbrella over the top of those other coverages.
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Car theft is on the rise. According to the Claims Journal, the national average of car thefts are up 30% since 2017. Thefts of catalytic converters and entire vehicles are happening at unprecedented rates across the country and are another reason auto insurance rates are increasing.
Most auto insurance policies do not cover the cost of a new vehicle after a damaged vehicle is declared a constructive total loss. Insurance policies typically pay up to the actual cash value, which is the replacement cost minus depreciation. Wouldn’t it be great if you could replace your damaged vehicle with a new one of the current model year? Acuity thinks so.
Most auto insurance policies pay only up to the actual cash value, which is the replacement cost minus depreciation, leaving you with a gap between what it will cost for a new car and how much your insurance company is giving you. Wouldn’t it be great if you could replace your damaged vehicle with a better one? Acuity thinks so.
