What is an Umbrella Insurance Policy?
Umbrella insurance is extra liability insurance that is designed to help protect you from major claims or lawsuits that surpass your current policy limits, and as a result it helps protect your assets and your future.
It provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. This protection is designed to kick in when the liability (policy limits) on the other policies has been exhausted.
Are you still unsure of what an umbrella policy covers? Let’s dive a little deeper,
Umbrella insurance provides coverage for:
You may be thinking, but don’t I have auto and homeowners’ insurance to cover this?
While that is correct, there are some situations that are not covered by your home and auto insurance policies. An Umbrella insurance policy insures you above and beyond the limits of those policies and covers some situations that aren't covered by home and auto policies.
Below are types of coverage provided by an umbrella policy and how it protect you:
Bodily Injury Liability – covers the cost of damages to another person's body. including the cost of medical bills and/or liability claims as a result of:
Property Damage Liability – covers the cost of damage or loss to another person's physical property. Examples include the cost associated with:
Rental Property Owners – an umbrella policy helps protect you against liability as a landlord.
Examples of liability claims that result from:
Coverage is also provided should you be sued for the following (yes folks, these really do happen) -
Want an example of an Umbrella Policy kicking in?
Imagine you were in an at fault auto accident and the cost of the injuries you are deemed responsible for totaled $450,000. Now, your current Auto insurance policy has a Bodily Injury limit of $300,000. Your auto policy will only cover $300,000 of the injuries.
Where does the additional $150,000 come from? If you have an umbrella policy (depending on the limit you choose) – it will pay the additional $150,000. If you don’t have this type of policy, the injured party could go after your personal assets for the difference.
We hope you can see the value of Personal Umbrella Policy, if you have questions or would like a quote please call our office at (337) 656-2890.
Our agency received the highest recognition TWFG Insurance Services can bestow again this year, we were included in the TWFG’s Presidential Club.
This is an outstanding achievement for our organization, who has been included in President’s Club since its inception 4 years ago. TWFG Insurance Services strives to provide you with the best customer service and affordable Auto - Home - Life and Commercial Insurance rates.
I would like to thank my team members and our clients for entrusting us with insuring their most valuable possessions, their home, business, auto and in many cases, their families future through life insurance.
Kelly Lee Insurance
Neighbors helping neighbors manage their risk.
Our nation is in the midst of an unprecedented opioid epidemic. More people died from drug overdoses in 2014 than in any year on record, and the majority of drug overdose deaths (more than six out of ten) involved an opioid.
Since 1999, the rate of overdose deaths involving opioids—including prescription opioid pain relievers and heroin—nearly quadrupled, and over 165,000 people have died from prescription opioid overdoses.
Prescription pain medication deaths remain far too high, and in 2014, the most recent year on record, there was a sharp increase in heroin-involved deaths and an increase in deaths involving synthetic opioids such as fentanyl.
Economic Impact of the Opioid Epidemic:
- 55 billion in health and social costs related to prescription opioid abuse each year
- 20 billion in emergency department and inpatient care for opioid poisonings
On an average day in the U.S.:
- More than 650,000 opioid prescriptions dispensed
- 3,900 people initiate nonmedical use of prescription opioids
- 580 people initiate heroin use
- 78 people die from an opioid-related overdose
Louisiana Department of Health gets $8.1 million federal grant to address opioid crisis.
The State now has more funding to fight the opioid epidemic. The Substance Abuse and Mental Health Services Administration (SAMHSA) has awarded the Louisiana Department of Health a grant to target and reduce opioid abuse across the state. The State Targeted Response to the Opioid Crisis Grant is funded at $8,167,971 a year for two years.
Dr. Rebekah Gee, secretary of the Louisiana Department of Health said the state is in the midst of an opioid crisis and the grant will help address the problem.
“Louisiana averages 122 opioid prescriptions per 100 people. This is a significant concern because 80 percent of heroin users reported starting out misusing prescription opioid medications,” said Gee. “Additionally, by mid-year 2016, in both East Baton Rouge and Orleans parishes, narcotic overdose deaths surpassed homicide deaths.”
The Louisiana Department of Health, Office of Behavioral Health will administer the grant which will be used to enhance existing statewide prevention, treatment and recovery services that are available to individuals who are addicted to opioids or who are at risk for opioid addiction or opioid abuse or misuse.
Initiatives funded by the grant include:
Implement opioid prevention strategies that includes a mass media educational campaign targeted to those who are at risk for an opioid disorder, and health care provider training.
Develop an intervention strategy that focuses on Naloxone education and distribution of this medication to target populations.
At the local level, build treatment capacity within the existing networks of behavioral health providers. The goal is to provide access to evidence-based treatments, particularly Medication Assisted Treatment, and education and training on non-opioid alternatives. Funding will be directed to the state’s 10 local opioid treatment programs.
Increase treatment and prevention capacity for people with opioid addictions or disorders through funding that will be directed to the state’s 10 local human service districts/authorities.
Partner with the Department of Corrections to provide opioid treatment services for offenders who participate in re-entry-programs at two designated prison facilities. These programs will identify at-risk offenders nine months prior to release, and will provide individualized treatment and robust discharge planning to ensure they continue treatment after leaving prison.
“More than 75 percent of offenders have a substance use disorder, and they are at high risk of engaging in substance use unless provided treatment prior to release,” said James M. Le Blanc, Department of Public Safety and Corrections secretary. “We are optimistic these programs will result in a decrease in substance use-related crimes, and will see fewer offenders return to prison, thus saving taxpayers money, and reducing the number of crime victims.”
“This grant allows us to continue our focus on statewide planning and implementation for opioid education, prevention, treatment and recovery support services. We’re looking forward to working with our partners across the state to reduce the number of opioid prescriptions, and to reduce opioid abuse,” said Dr. Janice Petersen, Louisiana Department of Health’s principal investigator for this grant.
Our city now has several and the Calcasieu Parish Policy Jury has created a video explaining how to use them. Watch Video
A roundabout is a type of circular intersection with yield control of entering traffic and appropriate roadway curvature to reduce vehicle speeds.
IMPROVEMENT IN SAFETY
- More than 90% reduction in fatalities
- 76% reduction in injuries
- 35% reduction in all crashes
- Slower speeds are generally safer for pedestrians
- Efficient during both peak hours and other times
- Typically less delay
COMPLEMENT AND OTHER COMMON COMMUNITY VALUES
- Quieter operation
- Functional and aesthetically pleasing
- Reduce pollution and fuel use
- Fewer stops and hard accelerations, less time idling
TIPS FOR DRIVING A ROUNDABOUT:
• Slow down. Obey traffic signs.
• Yield to pedestrians and bicyclists.
• Yield to both lanes of traffic on your left already in the roundabout.
• Enter the roundabout when there is a safe gap in traffic.
• Keep your speed low within the roundabout and stay in your lane.
• As you approach your exit, turn on your right turn signal.
• Yield to pedestrians and bicyclists as you exit.
Kelly Lee Insurance
Neighbors helping neighbors manage their risk