Big "I" News

The U.S. Department of Transportation (DOT) estimates that 24% of weather-related vehicle crashes occur on snowy, slushy or icy pavement, causing over 1,300 deaths and 116,000 injuries each year. As winter approaches, now is the time to educate your customers about the benefits of an RLI personal umbrella policy. 

Your customers' existing auto insurance may not be enough to cover the fallout from accidents, including potential medical expenses and catastrophic lawsuits stemming from uninsured/underinsured motorists. A personal umbrella policy will substantially increase an insured's overall liability protection beyond the basic coverage provided under both auto and homeowners insurance policies.

In one real-life situation, an insured was driving on an icy road when an uninsured driver slid out of control and struck the insured's car at high speed. The insured was airlifted from the accident scene to a hospital. He sustained spinal injuries and other complications as a result of the accident.

Because the insured elected to purchase excess UM/UIM coverage on his RLI PUP and had purchased the required minimum limit of primary UM/UIM coverage on his auto policy, the insured was paid the full $1 million excess UM/UIM policy limit in addition to his primary coverage for an accident that was not his fault.

Make sure your customers aren't left out in the cold when they hit the road. Talk to them about how an RLI PUP can help protect them when winter weather strikes. 

Go to the Big “I" Umbrella webpage to learn more about the RLI PUP and connect with your dedicated state administrator.