Terry Pitchford Insurance Insurance in Austin Texas Area - Personal Liability Insurance - Automobile Liability, Farm Liability, Watercraft Liability, Rental Owners Liability Insurance


	ANPAC®'s UmbrellaSM - Personal Liability What would you do if a legal judgment against you was greater than your primary insurance limits? Everyday you hear about high dollar judgments that have been awarded to injured parties. Accidents are bound to happen and today's litigious society paves the way for many additional high dollar lawsuits. A legal judgment against you, that is more than your primary insurance limits, could leave you in a financial bind for the rest of your life. Take for Instance: You are late for work and run a red light. As a result, your car hits a school bus and several young passengers are injured. One of the passengers is a 13-year old who suffers severe brain damage. The family of the 13-year old sues you and receives a judgment for $750,000. Your primary automobile insurance coverage limit is $300,000. who pays the remaining $450,000? You do! This type of judgment could involve attachments to assets like your: Home Paycheck Savings Accounts Stocks Bonds Mutual Funds Car Boat Many more! ANPAC®'s Personal Umbrella policy provides: Up to $5 million additional financial liability protection for your family over your primary limits, including coverage for: Bodily Injury Property Damage Optional endorsements can be purchased for additional protection, such as the Personal Injury Coverage endorsement which provides coverage for libel, slander, wrongful eviction and defamation of character. Minimum Primary Limits Required: Automobile Liability - * $250,000/500,000 - Bodily Injury and * $100,000 Property Damage Personal Liability - * $300,000 - Comprehensive Personal * Liability and Homeowners Farm Liability - * $500,000 - Farmers Comprehensive Liability Watercraft Liability - * $300,000 Watercraft Liability Rental Owners Liability - * $300,000 - up to 4 locations (not to exceed * 2 units per location, total of 8 units * Requirements may vary by state.

	Representing American National Insurance Company, Galveston, TX American National Property and Casualty Company, (ANPAC^®) Springfield, MO All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services and is not responsible for the products and services provided by the other companies. Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. * Personal and commercial lines insurance is issued by American National Property And Casualty Company (ANPAC®), its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company. Life insurance and annuity products are issued by American National Insurance Company, Galveston, Texas. Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois (Texas Residents). Tax issues that may be discussed are subject to change and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters. These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy, or, for more information about coverage options and availability, talk to your American National agent and eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time. This site may have links to other sites, which are not maintained by American National Insurance Company, it's subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.

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Farm and Ranch
By and large, farming is a family endeavor, rich in tradition. But the way you operate your business can change considerably from one generation to the next. Special Farm Package 10^® (SFP 10^®) combines personal, farm, business, and property and liability coverage all under one policy, to simplify your insurance protection. *See disclaimer below

Equine
If you own, board, breed, train, race or sell horses, ANPAC^® provides a full range of coverages, including policies tailored to the specific needs of horse enthusiasts. *See disclaimer below

CHROME^®
You've finally found it! The perfect car.... the specialty car you've dreamed of for so many years. And now at last, here's the perfect way to insure your dream car. *See disclaimer below

TLC - Tri-Line Coverage^SM Discount
Choose American National for your auto, home, and life insurance needs, and you can receive up to 25% on home and 20% on auto premiums for those that are qualified. *See disclaimer below

ANPAC^® Motorcycle
If you're among the thousands of responsible adults who tour America's highways and byways on two wheels instead of four, you need the protection afforded by ANPAC's^® Motorcycle Endorsement. *See disclaimer below

Safe Harbor Program from ANPAC^SMYour peace of mind is our goal with Safe Harbor Program from ANPAC^SM. We offer protection for your boat, motor, boat trailer, plus portable and permanent watercraft equipment. *See disclaimer below