The Declarations page(s) is part of the policy documents. To better understand what the declarations page is, it would be better to first describe what the “policy” is. The “policy” is the agreement that states the rights and duties of the insurance company and you, the insured. The “policy” of an insurance company, is the [ Read the full article… ]

One of my stand alone personal umbrella liability carriers PersonalUmbrella.com has a real life case study of a large liability claim. Here is the story: “Zack couldn’t believe his luck: Discovering leftover Fourth of July fireworks in the garage just in time for Halloween. He couldn’t wait to tell his best friend, Fletcher. While their [ Read the full article… ]

UMBI is the coverage on your policy that would pay toward you, family members or passengers in your vehicle if someone else was at-fault in the accident and didn’t have any, or enough BI (Bodily Injury) coverage. Typically the at fault driver should have insurance, but as you know in Denver and Lakewood Colorado, there [ Read the full article… ]