Run materially different loss scenarios separately
Test one large liability loss against applicable limits
Choose a concrete loss amount and enter only limits that would apply to that scenario. Add umbrella coverage only after confirming its attachment conditions, then view any remaining gap beside accessible cash. Repeat for materially different hazards rather than treating one result as a coverage recommendation.
The uncovered amount in one liability scenario
Test one liability-loss scenario against entered policy and umbrella limits.
Read declarations, umbrella terms and exclusions
- Declarations pages and applicable liability limits
- Umbrella attachment and underlying-limit requirements
- Relevant exclusions, defense-cost and sublimit language
- Accessible cash considered in the scenario
Layer only the limits that apply
Choose one clear loss amount.
Enter only limits that apply to that loss.
Compare the gap with cash you can reach.
Treat the gap as exposure, not a coverage recommendation
A calculated gap is a scenario shortfall, not a recommended coverage amount or prediction.
Auto Insurance Limits: Read the Numbers as Claim Scenarios covers the controlling document terms and questions outside this result.
Claim outcomes this simplified stack cannot decide
- Defense costs
- Exclusions and multiple claimants
- Legal or policy-specific allocation