Downtown Lincoln, Nebraska
1024 K St
Lincoln, NE 68508
(402) 477-2233
When you need experienced counsel and representation for your legal issues in Lincoln, NE, contact the attorneys and staff at Cada Law. With over 50 years of combined legal experience, you know that you are going to get the help that you need. Whether you have been injured, are planning for the future or are involved in complex litigation, our lawyers can help you find the solutions that you deserve.

Lincoln Attorneys Explain Why Umbrella Insurance Is So Important January 9, 2018

Downtown Lincoln, Lincoln
Lincoln Attorneys Explain Why Umbrella Insurance Is So Important, Lincoln, Nebraska

Almost every state requires motorists to carry liability coverage to protect other drivers injured in accidents they cause, but the minimum coverage requirements may not be enough if you’re seriously hurt in an accident. But what if the driver who hits you doesn’t have the coverage they’re supposed to? While you have the right to hire an attorney and try to collect compensation for your losses, an umbrella insurance policy with uninsured motorist coverage can cover those damages for you.

Why Umbrella Insurance Is a Smart Investment

attorneyLike most states, Nebraska’s auto insurance minimums are fairly low, with only $25,000 per person in bodily injury damages and $50,000 per accident. That may sound like a lot, but even relatively minor injuries requiring one simple surgery can quickly exceed that minimum. Once the other driver’s insurance has paid out their policy limits, you’re responsible for the rest of it. If they don’t have any insurance, you’ll have to cover the entire bill.

When your damages exceed the other driver’s coverage limits, your attorney can file a lawsuit on your behalf to collect the rest, but this approach can take time, and its success depends on whether they have the resources to pay your bills. In general, drivers who don’t have auto insurance can’t afford it, which means they probably don’t have many assets for you to seize in a suit.

How Umbrella Insurance Can Help

An umbrella insurance policy with uninsured or underinsured motorist coverage kicks in to pay your medical expenses once the other driver’s policy limits have been reached. If your medical bills total $50,000 and they only have bare-minimum coverage, their insurer will cover half while your umbrella policy pays the rest. Compared to the massive medical expenses even minor accidents can cause, an umbrella policy is a worthwhile investment.


If you’ve been involved in an auto accident, the attorneys at Cada Cada Hoffman & Jewson in Lincoln will ensure you’re compensated for your medical expenses, lost wages, and any other losses. When the responsible driver doesn’t have sufficient coverage or your own insurer refuses to pay for valid claims, you can rely on these legal professionals to identify your options so you get the financial relief you need. Visit their website to learn about their array of auto accident services, or call (402) 477-2233 to schedule a free consultation with a member of their team.

Other Announcements, Events and Deals from Cada Cada Hoffman & Jewson
A Brief Guide to Attractive Nuisances, Lincoln, Nebraska
In most cases, property owners cannot be held liable if a trespasser gets hurt on their premises. There are a few exceptions to this umbrella of protection, though, and one of them more
How to Avoid Some Common Causes of Auto Accidents, Lincoln, Nebraska
Every year, millions of people are injured in auto accidents, many of which are caused by the negligence of another driver. While some of these crashes can’t be avoided, many can be more
What to Do After a Personal Injury From a Defective Product, Lincoln, Nebraska
Every year in the United States, more than three million people are hurt by defective products. Given the prevalence of these kinds of personal injuries, individuals more
Answers to Your Personal Injury FAQs, Lincoln, Nebraska
Personal injury law allows accident victims to take legal action against the liable parties, but the process can be arduous, especially for those still recovering from the more
How Do You Initiate a Personal Injury Claim?, Lincoln, Nebraska
If you sustain unanticipated injuries, you don’t want to navigate complicated legal proceedings while recovering. To recover compensation for the damages, though, you must file a more