An umbrella policy is an insurance policy that offers additional liability coverage above and beyond the limits of your homeowner’s or auto insurance policy. An umbrella policy can help protect you from major financial losses if you are sued for damages that exceed the limits of your underlying insurance policy.
Most umbrella policies will cover pain and suffering damages, up to the limit of the policy. This means that if you are sued for pain and suffering damages that exceed the limit of your underlying insurance policy, your umbrella policy will provide coverage up to the limit of the umbrella policy. However, it is important to check with your insurance company or agent to be sure that your particular umbrella policy provides this coverage.