Yes, in some cases if your insurance limits are not high enough to cover the bodily injuries to another party when you are at fault in an accident you can be personally liable. If you want to know more on this subject your insurance agent should be able to give you more. Beyond your insurance company there is the CA Department of Insurance that you can contact for consumer help.

Some companies only offer umbrella policies. If you would like this coverage through CarInsurance.com, purchase your auto policy and then we can add the coverage. Both Safeco Insurance and The Hartford offer umbrella policies.

An umbrella policy helps to protect your assets. With an umbrella policy you list what items you want covered (i.e. home, boat, cars, motorcycle, etc) and then those listed items are underwritten and a rate is given for the premium to cover up to $1 million in liability.

The CA DOI states that since you may be personally responsible for damages above the policy limits, you should consider purchasing liability insurance with higher limits than the minimum required by law. With higher limits the likelihood of them being reached goes down. There are also other things you can do to help protect yourself. Insurance providers offer what is termed as umbrella coverage so you can increase your protection beyond the limits of your policy.

We have partnered with an industry leader, Safeco, to help you find the best rate for Umbrella insurance. Safeco's Personal Umbrella policies are competitively priced and offer exceptional coverage. You can receive coverage up to $2 million.

The easiest way to save on Umbrella Insurance is to call 1-800-936-0356 and speak with our partners at Safeco Insurance or follow this link for a Safeco umbrella policy quote.