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Pianist Injured In Auto Accident Awarded $2,500,000

By May 26, 2016February 23rd, 2021Umbrella

With a headline like this it makes sense to carry a personal umbrella policy.  An extremely well written article by Peggy Write from the Daily Record highlights a tragic but true court case where a New Jersey court awarded $2,500,000 for the injury a pianist sustained from a car accident.

What’s interesting about this situation is the injured pianist, William Finizo Jr, stated that the injury had lessened his ability to play classical piano, but did not prevent him from playing anymore.

From the conversations our staff has with clients we get the sense that public opinion dictates that you can only sue for life changing, severe injuries such as being paralyzed or losing an arm or a leg.  But this article demonstrates clearly that is not true.

The one thing we can say for sure is that when a court case goes before a jury one can never predict what the outcome will be.  In this case we hope the individual who’s responsible to pay $2,500,000 to Mr. Finizo had purchased a personal umbrella.

Here’s the rub:

A personal umbrella policy provides an extra layer of liability coverage over insurance policies you buy for your auto, home, apartment, boat, rental property, and recreational vehicle.

The cost for an Umbrella policy is not very expensive.  We have seen them as low as $125.00 for $1,000,000 of coverage.

Umbrella policies are not for the wealthy but for anybody.  The auto accident that Mr. Finizo was in was not unique.  That could have been you or me driving the car that hit him.

Do you have an Umbrella policy?  Check with your insurance company or broker about this important coverage.

Better yet, we can talk to you about creating an umbrella policy that meets your needs.  Drop us a line here and let us do the hard work for you.

Scott Harrigan

About Scott Harrigan

Scott started his career in insurance in 1988 and joined Rue Insurance in 2004 as a Marketing Specialist focusing on creating effective risk financing and risk transfer programs for companies and non-profit organizations. In addition to this he is a member of the Rue Insurance educational team that provides ongoing professional development in critical insurance concepts and programs to Rue employees. About Scott | More Posts by Scott