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re: Any advice on a Personal Liability Policy vs an Umbrella?
Posted on 6/10/23 at 2:19 pm to meansonny
Posted on 6/10/23 at 2:19 pm to meansonny
quote:Yes, because motor vehicles are excluded under a personal liability policy
You are arguing that a personal liability policy is going to ignore that personal lawsuit?
quote:No, I’m not. Personal injury coverage is slander or libel. Personal liability coverage has exclusions for certain exposures, like boats, motor vehicles, etc
People are confusing personal injury coverage with personal liability policies.
Posted on 6/10/23 at 3:21 pm to Tiger Prawn
quote:
quote:
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
quote:
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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