Quote:
Originally Posted by bimmertl
Umbrella policies are "excess" policies. They generally apply after the underlying policy insuring the involved vehicle is used up by offers or payments. ......
Having an umbrella policy doesn't mean it automatically applies if you have a claim that's not covered by your underlying golf cart policy. So don't assume you'll have coverage under the umbrella policy .
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bimmertl,
Well said! Yes, if your primary coverage is denied for "renting" out your golf car as part of the rental on your property, the umbrella WILL NOT kick in.