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Bronson Insurance Services

2345 W Ryan Rd, Suite H
Oak Creek, WI 53154

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Can Umbrella Insurance Be Used in the Place of Personal Injury Protection Insurance?

Bronson Insurance Services reminds you, if you live in Oak Creek, WI, you may be searching for insurance that will cover you for those things you don’t expect. Sure, your normal insurance covers the basics, but what about those little things you don’t think about like someone falling on your lawn or your commercial space? What do you do if you have someone complain that they were injured as a result of your negligence?

Gap insurance (sometimes called umbrella insurance) steps in where your normal insurance policies leave off. It can address auto insurance gaps, as well as other gaps in coverage areas that could cost you out-of-pocket money or legal expenses. 

What does it cover?

Umbrella insurance is insurance that can cover the following areas:

  • Liability insurance for homeowners, auto, and other policies like watercraft, RV insurance, and sometimes, commercial or business insurance
  • Injury to others or property damage that occurs as a result of mistakes or negligence by the policyholder
  • Covers family members, as well as the policyholder
  • Serves as gap insurance for the gaps in other policies that don’t cover you completely

Umbrella Insurance vs. PIP Insurance

Some people carry PIP (personal injury protection) insurance to cover events that are not covered with their normal auto policy. The problem is that PIP insurance only covers your damages and injuries in case your normal insurance is not enough. It does not cover your liability to others. And this is often far more expensive. 

In Oak Creek, WI, you can contact the friendly professionals at Bronson Insurance Services for more information on umbrella insurance. Don’t wait until something happens and you have to pay out-of-pocket for an incident that is ruled your fault. Act now and put your fears to rest. 

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