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There are 151,944 crashes every year due to slick and harmful icy roads. Preparing for the hazards of winter driving is vital, however you too can 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 damage, 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 harm, your insured is accountable for any excellent bills left in spite of everything underlying insurance policies pay out.
Extra UM/UIM protects the driving 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 dwell in a winter wonderland, however they could go to one this vacation season. Try trip pre-game suggestions to assist get them prepped, then take 90 seconds to offer 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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