Whether you call shotgun on a quick trip to the store, or you join your friend on a trek across the country, your status as passenger gives you limited control over your safety. There are some steps you can take to lower the risk, though. For example, you should avoid getting into the vehicle with a driver who has been drinking alcohol, and you should always wear your seat belt.
Umbrella insurance sounds comforting and can be a smart decision for many consumers. It normally works like this: You buy an umbrella insurance policy that broadens the coverage you get from basic policies. So, suppose you get into a car accident, and the bills incurred go past what your basic insurance policy covers. The aim is for your umbrella policy to pick up what is left once you exhaust the basic policies.