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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
Posted by Tiger Prawn
Member since Dec 2016
22051 posts
Posted on 6/10/23 at 2:19 pm to
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
Posted by meansonny
ATL
Member since Sep 2012
25999 posts
Posted on 6/10/23 at 3:21 pm to
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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