Half of all teens will be involved in a crash before graduating from high school

And 96% of teen crashes will be caused by driver error

A personal umbrella policy can help protect you.

As new teen drivers hit the road this summer, a standalone personal umbrella policy with limits up to $10MM can help protect you.

Mark’s summer internship in the city was a dream come true for a 17-year-old — especially because he got to drive there in his very own car every day.


His parents made sure he bought the car with his own money and also paid for the insurance, so this job definitely helped. Mark carried state minimums since that was all he could afford.


While parallel parking early one morning, Mark accidentally hit the gas instead of the brake pedal while in reverse. Just then, Erica, age 32, stepped off the curb to cross the street between the parked cars and became pinned between them. The accident led to the amputation of Erica’s legs.

She was flown to a nearby hospital to receive treatment and after her extensive inpatient care, she required a special amputee rehabilitation team to aid in her recovery process. Her post-acute treatment included physical rehabilitation, expert fitting and custom-manufacture of a prostheses to help her regain function and mobility and psychological services.


Mark’s minimum coverage for Erica’s medical bills was quickly exhausted since he was underinsured for this type of accident.

Since Erica had a $2 MM standalone personal umbrella policy with $1 MM excess UM/UIM, it kicked in after the underinsured motorist on her auto was exhausted to take care of her outstanding medical bills.

Claim: $1.5 MM

Centers for Disease Control and Prevention found that “the risk of motor vehicle crashes is higher among 16-19-year-olds among any other age group.”


A standalone personal umbrella is a policy that sits on top of your auto and homeowners/renters policies and:

  • Kicks in after those limits are exhausted
  • Protects your assets like property and future wages
  • Includes specialized legal defense

Contact Hubbard Insurance Agency for a personal umbrella quote.

Content provided by PersonalUmbrella.com: PersonalUmbrella_UM-UIMTeenDrivingCaseStudy

June 28th, 2016 by Hubbard Insurance Agency