Hawthorne Press Tribune
The Weekly Newspaper of Hawthorne
Herald Publications - El Segundo, Hawthorne, Lawndale & Inglewood Community Newspapers Since 1911 - (310) 322-1830 - Vol. 64, No. 4 - January 27, 2022
South Bay 8th Graders, Don’t Miss Out
on the School and Programs of Your Choice
This Thursday, January 27 is our final Enrollment Open House at Hawthorne High School, Lawndale High School & Leuzinger High School from 5-8PM. Come learn about all that our schools have to offer and register onsite. Learn about Academies, Clubs, Programs and
Sports. You are not automatically enrolled in high school, you must register for the school of your choice. Join our family CV family. Photo courtesy Centinela Valley Union High School District.
CLASSIFIED ADS – ONLY $40
for twenty words or less.
Email class@heraldpublications.com or call 310-322-1831 for more information.
Your name is
the backbone of
your business.
make sure its a cut above the rest
DBAS PUBLISHED FOR ONLY $75.00
Email dba@heraldpublications.com or call 310-322-1830 for more information.
Get Extra Liability Protection
With Umbrella Insurance
(BPT) - When a claim exceeds the limit
of your home or auto liability insurance, a
personal umbrella policy can help cover the
rest and give you peace of mind.
Legal responsibility is a tricky thing.
Whether you’re at fault for an auto accident,
or someone is injured on your property, you
can be held responsible for other people’s
medical expenses, pain and suffering, property
damage, and even lost wages. And here’s the
thing: You don’t have to be a millionaire to
get sued like one.
That’s why liability coverage is such a
vital part of your homeowners or auto insurance
policy.
The truth is, anyone can get hit with a
costly lawsuit, regardless of age or income.
And if you’re found liable for damages, it’s
not only your savings that’s at risk. Your
property, investments and even future wages
could be on the line if damages exceed the
amount covered by your homeowners or auto
liability insurance.
What Is Umbrella Insurance?
A personal umbrella policy (PUP) offers
extra liability coverage beyond the limits of
your homeowners, auto or renters insurance.
After you reach the limits of other policies,
umbrella insurance kicks in so you don’t
have to pay for additional damages out
of pocket.
Do You Need an Umbrella
Insurance Policy?
“Major liability can arise easier than you
might think,” says JJ Montanaro, Military
Affairs Director and Certified Financial
Planner professional.
“Let’s say you crash into and total a
$100,000 sports car driven by a heart
surgeon who, ... as a result, can’t go back
to work,” Montanaro says. “Or maybe
there’s a pool accident at your house. Or
your dog bites someone. It happens, and
it can get very expensive - even exceeding
what your auto or homeowners insurance
would pay.”
Adding umbrella coverage can provide
a higher level of protection for your assets
and wages - as well as any loved ones in
your household.
A good rule of thumb is to have enough
liability protection to cover your net worth
- everything that you own minus everything
you owe. If your net worth exceeds your
limits on your auto and home insurance, get
an umbrella policy.
What Does an Umbrella
Policy Cover?
Umbrella policies typically offer four
general categories of coverage:
1) Bodily injury liability refers to the cost
of injuries to other people.
2) Property damage liability refers to the
cost of damage to another person’s property
caused by you or a member of your household.
3) Other personal liability covers other
types of claims beyond bodily injury and
Finance
See Finance, page 6