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Originally Posted by Delawaredave
What if you are golfing and hit and injure someone with a golf ball and they sue you ?
- I'm assuming the umbrella policy would cover this
- Would "Personal Excess Liability" coverage cover this ?
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It should, and your homeowners policy should also cover you in this situation.
Here is one explanation of the difference between Umbrella and Excess:
http://www.insurance.com/Article.asp...rage/artid/164
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The personal injury protection offers coverage not found in your auto and homeowners policy. Generally, personal injury encompasses false arrest, false imprisonment, malicious prosecution, defamation, invasion of privacy, wrongful entry, or eviction. Most primary policies cover bodily injury and property damage, but not personal injury. Certain umbrella policies also provide coverage if you face liability arising from your service on the board of a civic, charitable, or religious organization.
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While umbrella is cheap limit, it is not generally cheap to buy umbrella from anyone besides your own Auto or Home writer, so if you're set on getting it you may want to switch carriers. You are incredibly unlikely to need this cover (much more likely to die, for example), so I wouldn't loose too much sleep.
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