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Jan 15
Protect Your Clients from Uninsured Motorists

The stories are all too familiar: A drunk driver who couldn't afford insurance due to his bad driving record causes an accident, burdening a family of five with horrific medical bills. A child walking to school faces a lifetime of difficulty after being struck by a struggling college student texting and driving with state minimum auto limits.

As an insurance agent, you can't physically protect your clients from heartbreaking situations. But you can offer financial protection when tragedy strikes. This is where excess uninsured/underinsured motorist (UM/UIM) coverage enters the picture.

According to recent estimates by the Insurance Research Council (IRC), roughly one in seven drivers is uninsured. Add to that the number of drivers who carry state minimum auto limits, and it's enough to make a person want to stay home for good. With insurance commercials emphasizing low prices, drivers are overwhelmed with the pressure to buy state minimum auto limits—resulting in an understanding gap regarding the importance of protection from other drivers.


So how can you explain UM/UIM coverage to a client who doesn't know much about insurance? In layman's terms, UM/UIM coverage pays for the client's injuries from an accident caused by the owner or operator of an uninsured or underinsured vehicle or from a vehicle, bike or pedestrian hit-and-run incident that leaves them without a policy to collect against. Excess UM/UIM from a personal umbrella policy pays after the auto policy's UM/UIM limits have been exhausted. 

Read more about why you need to offer excess UM/UIM coverage and how to protect your clients.

Visit Big “I” Personal Umbrella online or log in to Big “I” Markets to learn more.  


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​127 South Peyton Street
Alexandria VA 22314
​phone: 800.221.7917
fax: 703.683.7556

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