At some point, you have probably heard of umbrella insurance, but have no idea what it is. Well, first off, it does not cover the umbrella you protect yourself from the rain. It is a figure of speech. An umbrella policy is designed to shield you from almost everything that your home and auto insurance does not, as well as fill in gaps in coverage when the limits of your regular policy are exhausted.
Every day, there are personal lawsuits filed against ordinary citizens, with the reasons ranging from the frivolous to the justified. When and if this happens to you, you need to be prepared. More often than not, people are sued and have no extra protection to block the plaintiff from going after their personal assets in the lawsuit. To protect yourself from such a quandary, you need to have umbrella insurance.
An umbrella is often referred to as excess liability. This excess liability coverage kicks in when the underlying limits on your home or auto policy have been exhausted, or if you are sued personally for something that neither your home nor your auto insurance covers. Depending on the company, you can purchase anywhere from 1 to 5 million dollars worth of excess coverage, sometimes as high as 10 million.
The amount of coverage you select really depends on how much you are worth. If you have 5 million dollars worth of personal assets, you should get a 5 million dollar umbrella. It is not uncommon for someone to buy a 5 or 10 million dollar umbrella policy even if that number far exceeds their net worth, because the coverage is so cheap to buy.
Most insurance companies will not offer you the coverage unless you have both your home and auto already insured with them. Also, the insurer will require that you maintain a certain level of liability on the home and auto policies in order to qualify for the excess policy. Usually, you must maintain at least $250,000 of bodily injury liability per person, $500,000 per accident, and $100,000 for property damage for your autos, and $500,000 of liability for your home.
The coverage is cheap. It is possible to obtain 1 million dollars worth of excess liability for as little as $120 dollars. The more cars and homes you have, the higher the price for the insurance, but the cost is still low. In addition to your home and cars, liability associated with any other conveyances you may have, such as boats, motorcycles, and other recreational vehicles, may also qualify for coverage under the umbrella, depending on the insurance company.
You are probably wondering when the umbrella would actually come into play. Here is an example: If you are involved in an auto accident where you crashed into a pedestrian who was walking on the sidewalk, resulting in medical expenses for that person that costed more than what your auto policy covered, the umbrella would be used. Or, if that pedestrian then decides to sue you for negligence and seeks punitive damages, your umbrella can be utilized to cover your legal expenses and to pay any judgements levied against you.
It is also important to understand that the excess liability covers you for all sorts of things that have nothing to do with your cars or homes. Things such as personal injury protection are covered. This includes false arrest, false imprisonment, malicious prosecution, defamation, invasion of privacy, wrongful entry, or eviction.
Also, some umbrella policies provide coverage for you if you are sued in connection with any charitable boards or organizations of which you are a member. You may have to contact your insurance company and pay an extra premium for this type of coverage.
I hope this has helped illuminate to you the importance of having umbrella insurance. Without it, your personal assets are totally vulnerable in any lawsuit or legal action. Talk to your agent about it and ask how much it costs. Even though multi-million dollar lawsuits are not common, they can happen. So, an umbrella is probably worth it.
Yap, you heard correctly, biting down on the inside edges of the pinky finger's nail triggers a kind of restart action on the heart. It could save your life or someone you care about! I said "bite" not "bleed". A gentle but firm bite is all that is required to stimulate the response needed. This point is located on the heart meridian called HT9.
Acupressure is a time, tested and truly amazing alternative technique using firm but gently pressure on key points along the energy meridians. Using this technique can help you relieve stress and muscle tension, boost your immune system, release endorphins that alleviate pain and much much more!
Acupressure is gaining a lot of popularity these days. Oprah even featured a show with Dr. Oz an accredited author and alternative health practitioner. You can catch that show by visiting www.oprah.com and typing in "Dr.Oz". So how can acupressure save your life? Let's move on to the next life saving point.
Suppose someone faints at work. No problem. Try this next point located at the top of the head on the skull. Feel around until you find a little dip, exactly where the soft spot on a baby's head is located. Give that point some good pressure with your thumb, even using you finger nail to give it a pinch has proven effective. This will bring energy back "up" in the body. This point is more commonly used by acupuncturists to prevent varicose veins, prevent miscarriage and to stop a bleeding. The point is located on the Governor Vessel called GV21.
What if you are experiencing an excruciating headache and you can't get your hands on any Tylenol. No problem. Simply squeeze the fleshy part or web on your hand in between the thumb and the first finger. Called the "eye of the tiger" and "belly of the fish" these two points help to bring energy down in the body. Be it tension, anxiety or too much thinking and especially headaches, this point can do wonders for you. Hold each point together until the pain subsides. Acupuncturists often use this point to help birth a baby and so should not be used by pregnant women.
Before you go whizzing off to the drug store consider using alternative therapies like acupressure instead. It could save you time, and long waiting lines at the doctor's office. Just recently I went into a clinic for a referral to see a doctor. The waiting time was 4hrs!!! Unbelievable. I left, there's no way I was going to spend my day off in a stuffed clinic.
More and more people are turning to alternative therapies, and for good reasons. Many people are being sliced and diced by doctors. I just recently had a healthy 23yr old woman on my table tell me her doctor removed her gall bladder due to a gall stone! Common, it's crazy! Another woman had her uterus removed due to Fibroids. It just amazed me. With so many natural alternatives out there why people are still going through with painful surgeries.
Check out your options, and most importantly be well informed. Always work with practitioners you feel good about. Always follow your gut or intuition when choosing your best treatment option. I hope you have enjoyed this article and will remember what you now know about acupressure that can save your life!
Both Jim Pretin & Vanessa Simpkins are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Jim Pretin has sinced written about articles on various topics from Insurance, Medicine and Homeopathic Remedies. Jim Pretin is the owner of , a service that helps programmers make an HTML form. Jim Pretin's top article generates over 33100 views. to your Favourites.
Vanessa Simpkins has sinced written about articles on various topics from Homeopathic Remedies, Umbrella Insurance and Skin Care. Vanessa Simpkins is an acupressure practitioner who specializes in teaching others how to stay healthy using natural alternative therapies. If you want to get in touch with Vanessa or learn more about acupressure please visit:. Vanessa Simpkins's top article generates over 9900 views. to your Favourites.