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Here’s how it works: You can still choose unlimited coverage and it will be automatically chosen for you if you do not select another option. Or you can choose $500,000 or $250,000 both options if you have a qualified health coverage in which all drivers are covered by health or auto accident coverage.
A personal umbrella policy acts as excess liability coverage for auto, homeowners, recreational, and renters insurance. It helps protect your assets against lawsuits when the liability limits in your primary policies have been exhausted. It covers liability and defense costs above your primary policy. It does not cover physical property damage losses.
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