Tully: No. 1 Secret Insurance Companies HIDE in Wrongful Death Cases

One of the most important pieces of information that the insurance company often attempts to hide from the victims family is the existence of an umbrella insurance policy. This is important because an umbrella policy means there is excess coverage, in addition to the auto policy strictly covering the vehicle that was involved in the fatality.

You can’t take the wrong doers word for it and to protect yourself you need the wrongdoer to sign in affidavit regarding the lack of existence of an umbrella or excess policy, so that if the wrongdoer lies, then you can still go back because you are protected by the affidavit. You are protected because the affidavit is a sworn statement that the information you providing is correct in terms of any excess coverage. If the wrongdoer lies, but you later, find out the truth regarding an excess policy, you can still make a claim for those damages, because the wrongdoer was caught in a lie

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