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UMBRELLASM
(PERSONAL LIABILITY)
Everyday you hear about
high dollar judgments that have been awarded to injured parties.
Accidents are bound to happen and today's litigious society paves
the way for many additional high dollar lawsuits. A legal judgment
against you, that is more than your primary insurance limits,
could leave you in a financial bind for the rest of your life.
Take for Instance:
You are late for work and run a red light. As a result, your car hits a school bus and several young passengers are injured. One of the passengers is a 13-year old who suffers severe brain damage.
The family of the 13 year-old sues you and receives a judgment for $750,000. Your primary automobile insurance coverage limit is $300,000. who pays the remaining $450,000? You do! This type of judgment could involve attachments to assets like your:
ANPAC's Personal Umbrella policy provides: Up to $5 million additional financial protection for your family over your primary limits includes:
Minimum Primary Limits Required:
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What
would you do if a legal judgment against you was greater than
your primary insurance limits?
American National Insurance Company,
Galveston, TX
American National Property and Casualty Companies, Springfield, MO
Farm Family Life Insurance Company, Glenmont, NY
Farm Family Casualty Insurance Company, Glenmont, NY
United Farm Family Insurance Company, Glenmont, NY
All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services and is not responsible for the products and services provided by the other companies.
Personal lines and commerical insurance products offered through one of these American National subsidiaries or affiliates: American National Property and Casualty Company (ANPAC), Springfield, MO (except in CT, DE, MA, ME, NH, NJ, NY, RI, VT, FL, NC, MI, MS); American National General Insurance Company; Pacific Property and Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company (Texas residents); American National County Mutual Insurance (serviced by ANPAC – Texas residents); United Farm Family Insurance Company, Glenmont NY in MD and PA; Farm Family Casualty Insurance Company, Glenmont NY in CT, DE, MA, ME, NH, NJ, NY, RI, VT and WV.
Life Insurance products are issued through American National Insurance Company, Galveston Tx or Farm Family Life Insurance Company, Glenmont, NY. Disability Income products and services are issued through Farm Family Life Insurance Company, Glenmont, NY or Illinois Mutual Insurance Company, Peoria, Illinois.
Tax issues that may be discussed are subject to change and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.
These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent and eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.
This site may have links to other sites, which are not maintained by American National Insurance Company, it's subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.
