Here's how umbrella protection works: if you're in a really bad automobile mishap that results in lots of property damage that's beyond which your insurance coverage covers, you could need to pay enormous quantities of cash out-of-pocket. This is exactly what umbrella policies are for: to protect you from liability that is way beyond the restrictions of your conventional auto insurance policy. These umbrella policies are normally rather cheap (a number of hundred dollars) and can provide you with important coverage. here