The following are associated claim scenarios to study:
1. A homeowner had a visitor at his home. The visitor slipped and fell onto the driveway and incurred a serious injury. Though he was liable for medical costs, the homeowners personal umbrella liability policy picked up the $150,000 tab.
2. A policyholder was walking his dog when a youngster approached them. The dog lurched forward and bit the lad’s ear. The coverage kicked in and paid for the $60,000 medical bill.