You can purchase enormous peace of mind for a small price when you buy a personal umbrella policy through MDA Insurance. A personal umbrella policy extends coverage over the limits of liability you carry on your home or automobile insurance. It protects your retirement savings and your income from garnishment to pay for damage awards for which you have been found liable. Why is a personal umbrella policy more important than ever? One of the repercussions of the No-Fault auto reform law is the increased risk of being found partially at-fault in an auto accident that severely injures or incapacitates another motorist. The injured party can sue you for damages and you may have to pay for the injured party’s ongoing medical care, assistance with daily living activities and more. With the new ability to elect lower limits of personal injury protection, under-insured drivers are effectively transferring their risk of not having enough coverage to other motorists. That’s where a personal umbrella policy comes into play. Once your auto policy has paid to its limit of liability, your personal umbrella policy kicks in to provide another layer of coverage to protect your assets. You really can’t afford to be without this extra layer of protection. To get a personal umbrella quote, call 800-860-2272 and ask to speak with a personal lines agent, or email personal-lines@mdaifg.com.