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Feb 23
Full Coverage Doesn't Mean Fully Covered: What Your Customers Need to Know

Most motorists assume if they have full coverage on their vehicle, they’re fully covered.

That’s not always the case.

An RLI Excess Uninsured Motorist/Underinsured Motorist (UM/UIM) Endorsement ensures coverage for your customer in the event they are injured in an accident caused by the owner or operator of an uninsured or underinsured vehicle.

According to the Insurance Research Council (IRC), roughly one in eight drivers is uninsured or underinsured. If your customer is injured in an accident with an uninsured or underinsured motorist and exceeds the limits of their auto policy coverage, the fallout could be devastating.

Take this real-life scenario: An insured was driving on a highway when she was rear-ended by another driver, causing her car to hit a light pole. The other driver was uninsured and attempted to flee the scene. The insured sustained serious injuries.

The insured’s primary insurance company paid out the full uninsured motorist limit. Unfortunately, it still left the insured with $260,000 in medical expense. Thankfully, the RLI Personal Umbrella Excess Uninsured Motorist coverage paid the remaining expenses of $260,000.

Educate your customers on the importance of an RLI Excess UM/UIM Endorsement on their Personal Umbrella Policy. They might not even be aware that their current auto insurance policy may not cover this kind of scenario and others. We encourage you to share this video that explains RLI’s UM/UIM coverage in more detail. Let your customers know you’re looking out for them when they’re on the road.

Learn more about the Big “I” Personal Umbrella at


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

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