It’s the Holiday season, and we want you to have fun, responsibly. Hosting parties can create a liability situation, and sometimes the consequences can be severe.

Real-World Case Study

Under social host liability laws, party-givers can be held responsible when minors drink

The Dane family’s annual holiday party was in full-swing. Neighbors, colleagues and dear family friends gathered together to toast the season.

Ian Dane, 19, and his best childhood friends, Brendan and Tyler, both 20, were home from school and decided to make the holidays even happier by imbibing. They blended into the crowd and no one noticed as they made their exit to head to a friend’s house.

Even though the men were legally drunk, Ian gave Brendan his car keys because, in their impaired state, they rationalized that Brendan should drive since he had been drinking less.

How a personal umbrella policy keeps your family's future safe

  • It sits on top of your auto and homeowners/renters policies
  • Kicks in after those limits are exhausted
  • Protects your assets like property and future wages
  • Includes specialized legal defense

On the short drive, Brendan misjudged a bend in the road and slid into a street light at full speed. All of the young men sustained serious injuries, including head injuries, lung collapse, broken ribs and multiple major fractures. In addition to a hospital stay, their recovery would take months of physical and cognitive therapy.

After Ian’s parent’s auto liability limits were exhausted, their standalone personal umbrella policy responded to cover their care. The policy is also covering defense costs for the family in ongoing litigation.

Claim: $825,000

CONTACT ME FOR A QUOTE
Policies start at about $25 a month.
Aaron Levine, LG Insurance Agency
877.288.7169 • aaron@lginsuranceinc.com
alevinegroup.com/umbrella

Info Courtesy of PersonalUmbrella.Com

Figure based on nationwide average premium of a $1MM personal umbrella policy for 2 homes, 1 car, 1 driver. Premium billed annually. Names and identifying details in claims examples have been changed to protect the privacy of individuals. This information is for educational purposes only and does not constitute legal advice or guarantee or imply a similar outcome. Underwriting criteria varies by state. Visit us online for guidelines. A.M. Best rating effective November 2016. For the latest rating, visit ambest.com. California Insurance License 0D08438

All content provided in this blog is for informational purposes only. Topics discussed on this blog relate to insurance products and issues in a general application, and are not an offer of insurance, a guarantee of coverage, or applicable to specific and individual circumstances. Contact LG Insurance Agency for questions and information specific to your insurance needs.

About LG Insurance

Founded in 2009 by Aaron Levine, LG Insurance is one of the Jersey Shore's fastest growing insurance agencies. Located in Long Branch Jersey, LG Insurance proudly serves many other local towns throughout Monmouth County including Asbury Park, Eatontown, Little Silver, Middletown, Ocean Township, Red Bank, Rumson, Shrewsbury and all of NJ. We also insure homes and busiensses on Long Island and in the Greater New York City area.

Specializing in personal and business properties in coastal areas, LG Insurance offers a full product line of personal and commercial insurance packages and products as well as a full line of life insurance and supplemental insurance coverages. 

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