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You are arguing that a personal liability policy is going to ignore that personal lawsuit?
Yes, because motor vehicles are excluded under a personal liability policy

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People are confusing personal injury coverage with personal liability policies.
No, I’m not. Personal injury coverage is slander or libel. Personal liability coverage has exclusions for certain exposures, like boats, motor vehicles, etc

We are probably in different states and should just move on.

The policy jackets for umbrella policies read " Personal Liability Policy" in Georgia. They are shorthanded PLPs.

It doesn't make sense to me why someone would need to buy 2 separate policies to do what 1 policy will do in Georgia (as I said... PLP is the technical term. Umbrella is the lay person vernacular. In Georgia, it is one and the same. Umbrella's cover libel/slander. Personal liability policies pick up Personal liability when the auto limits are exhausted.)

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Posted by Tiger Prawn

Member since Dec 2016

21967 posts

Posted on 6/10/23 at 3:58 pm to meansonny

quote:
We are probably in different states and should just move on.

Fair point, I’m in LA

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Posted by KWL85

Member since Mar 2023

1193 posts

Posted on 6/11/23 at 10:17 am to meansonny

I have both at the advice of my insurance rep.

Umbrella coverage includes liability if sued related to rental properties, as well as other scenarios like auto accidents. I also sell new construction properties and was told my umbrella did not cover a liability suit related to that. Not sure why.

Both are business expenses that are protection I consider needed and just part of the cost of doing business.

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