A Real-Life Scenario Involving Excess Uninsured Motorist / Under Insured Motorist (UM/UIM).
Incident: The insured was driving on a highway when they were rear ended by another driver, causing their car to hit a light pole. The other driver was uninsured and attempted to flee the scene but was apprehended. The insured sustained serious injuries to their bodies.
Outcome: The insured’s primary insurance company paid out the full Uninsured Motorist limit. Unfortunately, it still left the insured with $260,000 in medical expense. Thankfully, the RLI Personal Umbrella Excess Uninsured Motorist coverage paid the remaining expenses of $260,000.
Call us today and let’s set up an Umbrella Policy for you. An Umbrella policy costs a lot less than you may think and provides you with a million dollars worth of additional coverage or more!