Distractions while driving, whether from a text message, a crying baby, or adjusting the radio, can lead to a momentary lapse in attention and result in a collision with a pedestrian, cyclist, or another vehicle. As the owner/operator of the vehicle, you could be held financially accountable for any bodily injuries resulting from such an accident.

Summary:

An umbrella or excess liability policy serves to broaden your coverage, offering enhanced protection against these substantial costs. This coverage is ideal for securing peace of mind, especially in the face of unforeseen events.