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Teen drinking

The Dane family's annual holiday party was in full-swing. Neighbors, colleagues and dear family friends gathered together to toast the season. Ian Dane, 19, and his best childhood friends, Brendan and Tyler, both 20, were home from school and decided to make the holidays even happier by imbibing.

They blended into the crowd and no one noticed as they made their exit to head to a friend's house.

Even though the men were legally drunk, Ian gave Brendan his car keys because, in their impaired state, they rationalized that Brendan should drive since he had been drinking less.

On the short drive, Brendan misjudged a bend in the road and slid into a street light at full speed.

All of the young men sustained serious injuries, including head injuries, lung collapse, broken ribs and multiple major fractures. In addition to a hospital stay, their recovery would take months of physical and cognitive therapy.

After Ian's parent's auto liability limits were exhausted, their standalone personal umbrella policy responded to cover their care. The policy is also covering defense costs for the family in ongoing litigation.

Claim: $825,000

Be proactive and get a quote for a personal umbrella policy, to keep your hectic holiday bash — and beyond — as stress-free as possible.
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