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If you have assets and savings you want to protect beyond the maximum liability coverage you're able to purchase via your home or vehicle insurance, umbrella insurance can protect your assets up to $5 million or more, depending on the insurer.
Here's the info on my neck, not very exciting. Yes, my neck problems are 100% from my accident. I got $50,000 for it. $25,000 from the guy who caused it and $25,000 from my underinsured,