--- title: Umbrella Claim Scenarios description: Learn more about everyday situations that could lead into huge unexpected financial loss if you're not properly protected. image: https://blog.clarkeandsampson.com/hubfs/um.jpg --- - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) - [** ](https://www.facebook.com/clarkeandsampson) [**703-683-6601](tel:17036836601) [     Client Portal](https://portal.csr24.com/mvc/6601690) [![clarke&sampson](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/logo.png "clarke&sampson")](http://www.clarkeandsampson.com/) - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) - [** ](https://www.facebook.com/clarkeandsampson) [**703-683-6601](tel:17036836601) [     Client Portal](https://portal.csr24.com/mvc/6601690) # Clarke & Sampson Blog # Umbrella Claim Scenarios Matt Stephens | Friday, May 1, 2020 Share | Facebook Twitter [Email ](mailto:?body=https://blog.clarkeandsampson.com/blog/umbrella-claim-scenarios) [![umbrella-insurance.jpg](https://blog.clarkeandsampson.com/hs-fs/hubfs/umbrella-insurance.jpg?width=257&name=umbrella-insurance.jpg "umbrella-insurance.jpg")](http://www.clarkeandsampson.com/personal-umbrella-liability)The incidents below are recent examples of actual liability claims in excess of a policyholder's primary liability limit. These scenarios represent only a sampling of the types of claims that can occur every day.  Adequate excess liability limits can help protect you when the unforeseen results in a liability judgment against you.  These represent claims that can occur every day: 1. While taking items to his trash, a man was attacked by a neighbor's three dogs, which had escaped through an open gate on the neighbor's property. The man sustained multiple lacerations to both legs and a lower back injury.  **Judgment: $7.7 million** 2. After completing his work in the attic of a customer, a heating and cooling service technician fell through the floor of the attic, falling nearly 20 feet. He sustained injuries to his back, hand, foot, ribs, shoulder, and waist.  **Judgement: $8.9 million** 3. While traversing a crosswalk, a woman was struck by an oncoming vehicle. The impact resulted in a traumatic brain injury and damage to one leg that ultimately necessitated an above-the-knee amputation.  **Judgement: $26.2 million** 4. While riding his motorcycle through an intersection, an individual was struck by a vehicle that ran a red light. The impact caused the man to be thrown from the motorcycle and to pass away at the scene from the resulting injuries. The family of the victim sought wrongful death, compensatory and punitive damages from the driver for motor vehicle negligence.  **Judgement: $50.00 million** The insured's daughter hated math class as well as the teacher. The daughter made several "disparaging" and false remarks about the teacher online. The teacher sued the parents for personal injury that had risen from the dauhter's remarks online.  **Judgement: $750,000 thousand** In the blink of an eye, a multi-million dollar lawsuit could erase the value of your home, car, property, savings, investments, and income. An umbrella policy can protect your assets and prevent financial hard-ships, giving you broader coverage if you're sued and peace of mind knowing you're protected.    **Please contact Clarke & Sampson, Inc. today if you have any questions regarding to Umbrella policies, or anything else insurance related, 703.683..6601** [![Contact Us](https://no-cache.hubspot.com/cta/default/289889/5cb3c608-dddc-4607-ae3b-a0869c773743.png)](https://cta-redirect.hubspot.com/cta/redirect/289889/5cb3c608-dddc-4607-ae3b-a0869c773743) Share | Facebook Twitter [Email ](mailto:?body=https://blog.clarkeandsampson.com/blog/umbrella-claim-scenarios) #### Contact Clarke & Sampson, Inc Office: 703-683-6601 Fax: 703-739-8967 228 S.Washington St. Ste. 200 Alexandria, VA 22314 [Send an Email](mailto:sjefferson@clarkeandsampson.com) - [** ](https://www.facebook.com/clarkeandsampson) - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Agency Revolution to provide information on a topic that may be of interest. Agency Revolution is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2018 Agency Revolution. 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