Umbrella Quote
Umbrella Insurance Made Easy
Simply share your current Coverage details and we’ll handle the rest. This is the easiest way to get an accurate umbrella quote and ensure you are getting the best value for your insurance dollar.
Our process is seamless, secure and stress-free! 🤝
Why are my policies required to quote an umbrella policy?
Insurance coverage is determined by factors unique to your situation. An umbrella policy is designed to follow or enhance your existing coverage; therefore, understanding how you are currently insured will help us identify which umbrella carrier best suits your needs.
Why is an umbrella policy crucial for a household with children?
While protecting your loved ones is always a top priority, it is important to understand that many drivers are not adequately prepared to cover the costs of serious injuries they may cause. Although many people carry “full coverage,” this typically only protects material assets like vehicles. Most drivers do not have sufficient liability limits to pay for major medical expenses, and that is where a proper umbrella policy becomes essential.
What umbrella claims has TCS Insurance Brokers been involved with?
Our firm has handled numerous cases involving umbrella claims. Two notable examples include:
– A case involving a spinal cord injury sustained at an Airbnb diving accident.
– A case involving a major brain injury sustained by a teenager struck by a vehicle while leaving school.
In both instances, the claims resulted in payouts of the maximum umbrella limits of $5,000,000 and $2,000,000, respectively.
What happens when my insurance coverage is insufficient, but the other party has an umbrella with uninsured motorist coverage?
Lawsuits typically follow the available funds. If you are the responsible party and your insurance coverage is not sufficient, your policy will likely pay out its maximum limits. From there, the injured party’s uninsured motorist umbrella coverage will pay the difference and subsequently seek to recover those costs by suing you.
When you have the proper coverage to protect yourself, you don’t need to worry about suing anyone personally. Your insurance will take care of you first and handle any legal action against the responsible party later.
With an umbrella policy will I still need a lawyer?
Legal representation remains essential. The expertise of a professional firm provides valuable peace of mind and allows you the necessary time to focus on your recovery.
We always suggest seeking legal counsel for serious injury claims. In our experience, clients who receive professional guidance often secure significantly higher settlements than those who handle claims independently.
Please keep in mind that the amount of liability and uninsured motorist coverage you carry will determine the quality of legal representation available to you.
What are other examples where an umbrella policy came in handy?
The following case studies illustrate the critical importance of having adequate liability coverage:
Case 1: The High-Speed Hazard
An outdoor barbecue fell off the back of the pickup during a move, the transport straps broke, causing the grill to fall onto the highway. While the initial pileup of multiple vehicles resulted in no injuries, a motorcyclist later hit debris from the grill and was paralyzed.
Claim: $5 million
Case 2: The Underinsured Motorist
Chef Ida was stopped in her vehicle when she was sideswiped by another driver, Ted. The accident caused a severe wrist injury that ended Ida’s culinary career. Because Ted’s state-required insurance was insufficient to cover the surgeries and loss of future earnings, Ida’s personal umbrella policy with Underinsured Motorist coverage had to take over.
Claim: $1 million
Case 3: Tragedy on the Lake
While towing children on a water tube behind his boat, Frank veered sharply to avoid a newly extended dock. The tube whipped around and struck the dock, resulting in three fatalities and several catastrophic injuries. Despite Frank’s familiarity with the lake, he was held responsible for the accident.
Claim: $10 million
Is there a fee for using your service?
We are a “No Fee, No Pressure” insurance agency in California. While we are permitted to charge fees for our expertise and the time spent assisting our clients, we choose not to do so. We would prefer that you use those savings to ensure you have the coverage you need.
Does TCS Insurance Brokers accept altered or blacked out declaration pages?
Honesty is the best policy. Altering or blocking details on your policy documents can be perceived as dishonest, and we believe that is not the right way to begin a professional relationship.
We work diligently for all our clients and always prioritize their best interests. We ask that you only reach out when you are ready to be as transparent as we are.
What’s the advantage of using an insurance broker?
In the ever-changing insurance landscape, you are the player, the insurance company is the referee, and TCS Insurance Brokers is your coach. To be direct: not all insurance companies play by the same rules.
As a policyholder, you must maneuver through various obstacles and pitfalls. TCS Insurance Brokers is here to coach you from start to finish, ensuring you remain safe and financially sound.
We achieve this by:
– Simplifying the Complex: We break down industry terms to make them easy to understand.
– Comparative Analysis: We compare multiple insurance companies to ensure you receive the best coverage for your needs.
– Proactive Communication: We ask the important questions upfront so no detail is left unaddressed.
– Expert Knowledge: Because we represent multiple carriers, we have deep insight into their internal operations and claims practices.
This expertise is vital in helping our clients navigate the process after a serious accident.
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