Originally Posted by Dash man
I’m pretty sure ours does too after reading through it. Sometimes I’m just leery of the legalese that can be confusing.
Yeah, I think that is by design. I had to CALL them to get the complete policy. They have them available for a few years on-line, but they are usually just show any changes or updates to the original policy...which I could NOT find. I think that's a bit ridiculous since you can "chat" or send a secure message for almost anything else.
Originally Posted by FlaMariner
If a lawsuit has already been filed, there is a discovery process that, I think, requires you to disclose your insurance coverage. But I’m not an attorney, so don’t hold me to it.
If no lawsuit has been filed, they wouldn’t know unless you or someone who knows you do leaks it.
This varies between states (go figure), but in some places as soon as a petition is filed, you are required to disclose insurance information.
I have a couple of former law school buddies that work insurance defense. The "filing of frivolous" suits because someone "has umbrella insurance" is not really a thing. As a matter of fact, lawsuits are few and far between when it comes to insurance claims..almost all are settled out before anything is filed.