{"id":168,"date":"2025-10-31T12:00:00","date_gmt":"2025-10-31T18:00:00","guid":{"rendered":"https:\/\/www.kingstoninsuranceagency.com\/blog\/?p=168"},"modified":"2025-10-21T08:31:59","modified_gmt":"2025-10-21T14:31:59","slug":"will-umbrella-insurance-cover-medical-bills","status":"publish","type":"post","link":"https:\/\/www.kingstoninsuranceagency.com\/blog\/will-umbrella-insurance-cover-medical-bills\/","title":{"rendered":"Will Umbrella Insurance Cover Medical Bills?"},"content":{"rendered":"

High-net-worth individuals are more likely to face one lawsuit after another. You may find yourself on the end of an injury lawsuit because someone slipped on your sidewalk, and they may want thousands in emotional or punitive damages. Learning how your umbrella insurance works in South Kingstown, RI, can help protect your assets. <\/span><\/span><\/p>\n

Liability Insurance<\/span><\/span><\/h2>\n

Umbrella policies function similarly to liability insurance. These policies will pay for the other person’s medical bills if you’re at fault. This applies to car accidents as well as accidents on your property. <\/span><\/span><\/p>\n

They do not cover your personal medical bills from an accident or injury. For example, if you’re in a car accident and both drivers are injured, the umbrella policy may help pay for the other driver’s medical bills, but not yours. Speak with one of our agents at Kingston Insurance Agency LLC to learn whether your personal expenses will be covered. <\/span><\/span><\/p>\n

Secondary Policy<\/span><\/span><\/h2>\n

Your primary coverage will kick in first. For an accident on your property, this would be your home insurance. For an auto accident, this would be your car insurance. The coverage limits of those policies will be used first. <\/span><\/span><\/p>\n

Umbrella policies will then kick in to cover the damages that your primary insurance won’t cover. For example, say the other driver’s medical bills cost $150,000, but your insurance has a policy limit of $100,000. In this case, your umbrella policy would cover the additional $50,000, so you wouldn’t have to pay for it yourself. <\/span><\/span><\/p>\n

Umbrella insurance is a vital component of comprehensive financial planning. Our experienced agents at Kingston Insurance Agency LLC can help you learn more. Contact us. We’re currently serving the South Kingstown, RI, area. <\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

High-net-worth individuals are more likely to face one lawsuit after another. You may find yourself on the end of an injury lawsuit because someone slipped on your sidewalk, and they may want thousands in emotional or punitive damages. Learning how your umbrella insurance works in South Kingstown, RI, can help protect your assets.  Liability Insurance […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[25,13,26,19,24],"class_list":["post-168","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-insurance","tag-kingston-insurance-agency-llc","tag-ri","tag-south-kingstown","tag-umbrella"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t