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There are 151,944 crashes annually due to slick and harmful icy roads. Preparing for the hazards of winter driving is vital, however you can even give insureds an additional layer of safety with a private umbrella coverage with “extra Uninsured and Underinsured Motorist Protection” or extra UM/UIM.
Thoughts the Hole
Extra UM/UIM kicks-in to cowl this “hole” in insurance coverage and takes care of issues like bodily harm, misplaced wages, ache and struggling and emotional misery — on your insured and any passengers.
It really works like this: When there’s an accident and the opposite driver is at fault and doesn’t have sufficient (or any) insurance coverage to maintain the injury, your insured is liable for any excellent bills left in spite of everything underlying insurance policies pay out.
Extra UM/UIM protects the motive force and her passengers when she’s not at fault for an accident and the opposite driver doesn’t have any (or sufficient) insurance coverage to pay for important medical care, misplaced wages, ache and struggling or emotional misery.
Your shoppers might not reside in a winter wonderland, however they could go to one this vacation season. Take a look at trip pre-game ideas to assist get them prepped, then take 90 seconds to provide them a standalone private umbrella quote. There are solely 4 inquiries to reply for a coverage as much as $5 MM.
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