Mark Thought He Was Fully Insured... The Liability Shortfall Proved Otherwise.
Most Auto Insurance policyholders never realize how specific policy language can affect their policies — until they learn how it can affect a claim. My Policy Advocate™ helps you understand your coverage before you need it.
The Jacksons’ Liability Shortfall*
Mark Jackson, a careful driver, held standard auto liability of $100,000 per person and $50,000 for property damage. When he rear-ended a modern Tesla, the injuries to the two occupants and the vehicle damage quickly exceeded his limits. His policy was exhausted, and the Jacksons were personally sued for the uninsured balance of over $100,000.
Potential Denial (The Gap):
Standard per-person and property limits often fail to cover severe injuries and the cost of modern vehicle repairs, leaving personal assets like retirement savings exposed.
Risk Identified by My Policy Advocate:
Low Per-Person and Property Limits.
Policy Language:
“The limit of liability shown in the Declarations for ‘each person’… is the maximum limit for all damages… sustained in any one auto accident.”
Discovery by Clara, our Ai Assistant:
Clara flags liability limits below common recommended levels ($500,000) and prompts the user to consider asset protection and umbrella coverage.
Questions to Ask Your Agent:
- Given my assets, are my limits sufficient?
- What does an upgrade to $500,000 cost, and should I add an umbrella policy?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
Why My Policy Advocate
We Read Every Line So You Don’t Have To.
- Upload your policies (PDFs or insurer downloads).
- Our AI assistant, Clara, analyzes every line for outdated limits, exclusions, or risky endorsements.
- You get a clear summary and renewal reminders that help prevent coverage gaps.
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Each month, My Policy Advocate™ donates $100,000 to disaster-impacted communities. Members vote on where funds go — because true advocacy means Paying it Forward.
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For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
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