Driver has home covered under umbrella policy but no substantial equity. No other Assets
You're question is a little confusing. Are you asking about the Defendant driver's umbrella policy? It is impossible to say whether you could seek to recover under that policy without actually reading it.
If you are talking about your own umbrella policy, you would likely be looking to recover under the UM/UIM coverage on that policy. The specific language in the policy will determine that.
It sounds like you need to talk to a personal injury attorney right away. The Defendant's insurance company will never pay under that umbrella policy unless you have an attorney. They will likely say you can't even recover under it.
I wish you the best of luck and let me know if I can answer anymore question for you.
As to insurance depends on the wording of the umbrella. Most recent policies have exclusions for auto, aircraft, and other activities--i.e. they don't cover injuries or deaths caused doing those things.
However a decedent may have available to their estate underinsured motorist coverage, and depending on the nature of the death there may be product liability issues. If alcohol was involved the bar or restaurant may be liable. I assume you have an attorney--if not get an attorney who handles these types of cases.
Is there a lawyer involved in the wrongful death claim? If yes, the question should be addressed to him or her. If there is no lawyer handling the claim, it would be wise to hire one.
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There are potentially some complicated issues in your situation. Firstly, I am assuming there is an at-fault driver who caused the wrongful death. if that is the case, the rightful heirs of the person who died would be able to seek recovery under the at fault driver's auto insurance policy. Whether or not there is additional coverage under the relevant policy depends on the policy itself. I've seen the umbrella's which are essentially extensions of the auto policy, now also seen umbrellas which are designed to specifically exclude automobile accidents. Although in Colorado, the former is much more common than the latter.. In any event, you definitely need to get a lawyer involved as soon as possible.
Depends on the facts and details, how the case has been handled up to now, and coverage language.
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