For example, Wisconsin has a wrongful death statute that may result in the payment of $350,000 being paid to the deceased's survivors if the deceased is an adult, or if $500,000 if the deceased is a child. If a person is involved in an auto accident with fatalities, their insurance limits could be quickly used up, and they would then be personally responsible for any remaining amount that results from the accident. If, however, the insured had an umbrella, once their auto limits were exhausted, the umbrella policy would begin to pay out the remaining amount due on the claim, up to the limits of their policy.