| The notion that a client needs a good driving record to obtain an umbrella is a common misconception. In reality, a good driving record isn't required, and drivers with accidents can be an easier sell.
Umbrella carriers know drivers aren't perfect. But both new business applicants and existing policyholders can have a not-so-great driving record and still secure a personal umbrella. RLI Insurance will accept most households with up to four violations and three at-fault accidents without requiring a motor vehicle report. DUI convictions are also acceptable with some carriers.
Like they would for auto insurance, a driver with incidents will naturally pay more for an umbrella than the perfect driver in the other lane. But umbrella carriers typically count incidents for only three years or perhaps five for major violations. If your customer's quote or existing umbrella premium is high due to a poor driving record, they'll have the opportunity to pay less in the future.
Don't let a bad driving record deter you from offering an umbrella. You'll find that a driver with a few tickets or accidents is more likely to recognize their need for additional liability coverage than a driver who has never been in an accident.
Big “I” members have access to two highly rated personal umbrella carriers. RLI Insurance is the Big “I”-endorsed personal umbrella carrier, offering broad underwriting guidelines and a self-underwriting application. Anderson & Murison is the alternative umbrella market for the Big “I,” available when a customer won't qualify with RLI. Access both on Big "I" Markets or the Big “I” Personal Umbrella webpage. |
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