Summer fun can make you in court

Summer may mean a lot of outdoor fun and excitement, but these activities can also lead to serious accidents and large-scale litigation. While most car, home and electric sports policies are generally responsible for personal injury and property damage, sometimes policy restrictions are not sufficient to cover the costs associated with large court settlements.

That's why you consider purchasing a Personal Umbrella Policy (PUP) to provide you with a high amount of liability insurance and a peace of mind when your assets are protected in the event of an accident.

Spending about $1 a day (depending on the state), the PUP policy works with your existing liability insurance to provide them with additional protection. While anyone may be vulnerable to litigation, some people have greater potential responsibilities. Families with children and teenagers, families with trampolines, swimming pools or dogs, boat and motorcycle owners, coaches of minor league sports teams, non-profit volunteers and owners of rental properties should consider purchasing a PUP policy.

Many of the responsibilities that individuals face are more likely to occur during the summer months and are now a good time to discuss PUP policies. To find a local insurance agent who can help you develop a umbrella policy, visit the Find Local Insurance Directory.

Don't think that you will never be sued. For people who have not done anything wrong, it happens every day. Open the newspaper and you will see the lawsuit in the headlines. Other commercials on television were launched by a law firm.

Remember: you don't have to be a millionaire just like being sued.