Umbrella Coverage

Additional liability insurance layer above auto and home policies, providing extra protection for high-value claims beyond standard policy limits.

Policy Limits — Maximum amount an insurance company will pay under a given policy, often determining the upper bound of recoverable settlement.
Insurance Adjuster — Insurance company representative who investigates claims, evaluates liability and damages, and makes settlement recommendations or offers.
Liability — Legal responsibility for causing harm. In PI cases, establishing liability requires proof the defendant breached a duty of care.