Let’s face it, a wrongful arrest doesn’t just ruin your day. It can disrupt your entire life. Mistaken identity, false accusations, or overreach from authorities can happen anywhere, even in Norman, OK. When they do, the legal and personal fallout is rarely covered by standard insurance policies.
The reality is that most homeowners and auto policies stop short of protecting you from lawsuits tied to personal claims like defamation, false imprisonment, or emotional distress. If someone sues you after a wrongful arrest for something as intangible as reputational damage, you could be left footing the bill. These bills can be enormous.
Thankfully, umbrella insurance can act as a safety net.
It Covers What Others Don’t
Umbrella insurance isn’t just for the wealthy or those with high-risk lifestyles. It’s for anyone who could get caught in a legal situation that standard coverage won’t address. Think legal defense, court fees, and settlement costs, expenses that escalate quickly in a personal liability case.
Wrongful arrest claims don’t need to be criminal to become civil cases. When they do, they can get expensive fast, especially if your name ends up in the local news or tied to social media rumors.
When Reputation Is on the Line, So Is Your Liability
In a close-knit city like Norman, reputational harm has a greater impact and lasts longer. Umbrella coverage helps protect against that ripple effect, both financially and legally.
At Steiner Insurance Group, we work with people across Norman, OK to ensure their coverage matches today’s risks, not just yesterday’s assumptions. If you’ve never considered umbrella insurance as protection against personal claims like wrongful arrest, now is the time.
Contact Steiner Insurance Group to explore your options. One conversation could close a costly coverage gap before life throws you a curveball.
