Do I really need Umbrella Insurance?

5 real-life scenarios help you decide

You’re in an accident. You have car insurance. Is that enough? We’ve combed through our claims files to find real-life scenarios that showcase how and when an umbrella insurance policy can help you.

Real-life Scenario #1: You Seriously Injure a Pedestrian

Real-life Scenario #2: You are Hit by an Uninsured Driver

Real-life Scenario #3: A Moped Driver is Seriously Injured

Real-life Scenario #4: Injury Costs Exceed Auto Insurance Limits

Real-life Scenario #5: A Woman Dies in a Multi-vehicle Accident

Most insurance companies offer a discount for having multiple policies, so adding an umbrella policy may offer a savings. If you already have — or you purchase — an auto policy with Ameriprise Auto & Home insurance, ask for a quote on an umbrella policy, too.