n*********e
发帖数: 25274 | 1 【 以下文字转载自 Living 讨论区 】
发信人: nicedayhere (Nice Day), 信区: Living
标 题: 问一下,大家有没有买Umbrella Insurance啊?
发信站: BBS 未名空间站 (Fri Feb 11 12:17:40 2011, 美东)
哪个公司比较好啊? | m**k
发帖数: 4039 | 2 这是个啥? zkss?
【在 n*********e 的大作中提到】
: 【 以下文字转载自 Living 讨论区 】
: 发信人: nicedayhere (Nice Day), 信区: Living
: 标 题: 问一下,大家有没有买Umbrella Insurance啊?
: 发信站: BBS 未名空间站 (Fri Feb 11 12:17:40 2011, 美东)
: 哪个公司比较好啊?
| n*********e
发帖数: 25274 | 3 加大保险量,
you never know...
http://en.wikipedia.org/wiki/Umbrella_insurance
Umbrella insurance refers to a liability insurance policy that protects the
assets and future income of the policyholder above and beyond the standard
limits on their primary policies. It is distinguished from excess insurance
in that excess coverage goes into effect only when all underlying policies
are totally exhausted, while umbrella is able to "drop down" to fill
coverage gaps in underlying policies.[1] Therefore, an umbrella policy can
become the primary policy "on the risk" in certain situations. The term "
umbrella" refers to how the policy shields the insured's assets more broadly
than primary coverage.
Typically, an umbrella policy is pure liability coverage over and above the
coverage afforded by the regular policy, and is sold in increments of one
million dollars. The term "umbrella" is used because it covers liability
claims from all policies underneath it, such as auto insurance and
homeowners insurance policies. For example, if the insured carries an auto
insurance policy with liability limits of $500,000 and a homeowners
insurance policy with a limit of $300,000, then with a million dollar
umbrella, the insured's limits become in effect, $1,500,000 on an auto
liability claim and $1,300,000 on a homeowners liability claim.
Umbrella insurance provides broad insurance beyond traditional home and auto
. It provides additional liability coverage above the limits of homeowner's,
auto, and boat insurance policies. It can also provide coverage for claims
that may be excluded by the primary policies. These may include, but are not
limited to:
False arrest
Libel
Slander
Invasion of privacy
【在 m**k 的大作中提到】
: 这是个啥? zkss?
| l*******s
发帖数: 26303 | 4 都是铊害的
the
insurance
【在 n*********e 的大作中提到】
: 加大保险量,
: you never know...
: http://en.wikipedia.org/wiki/Umbrella_insurance
: Umbrella insurance refers to a liability insurance policy that protects the
: assets and future income of the policyholder above and beyond the standard
: limits on their primary policies. It is distinguished from excess insurance
: in that excess coverage goes into effect only when all underlying policies
: are totally exhausted, while umbrella is able to "drop down" to fill
: coverage gaps in underlying policies.[1] Therefore, an umbrella policy can
: become the primary policy "on the risk" in certain situations. The term "
|
|
