If you severely injure or kill somebody in a car accident, you want to make sure that your assets are protected. There is a good chance that your basic auto policy will not provide the amount of liability protection that you need, and an umbrella policy is where you would find that additional protection.
An umbrella policy will provide liability coverage that goes above and beyond your liability limits on your auto, home, rental property, boat, and motorcycle. It is fairly inexpensive. We strongly suggest all California residents have a personal umbrella policy.