According to the National Highway Traffic Safety Administration (NHTSA), the days preceding Thanksgiving kick off a busy – and potentially dangerous – holiday travel season. In addition to just the sheer volume of cars on the road, speeding, distracted driving and impaired drivers add to driver concerns.

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 your overall liability protection beyond the basic coverage provided under both your auto and homeowners insurance policies. Consider the following real-life scenario involving an insured and an uninsured intoxicated driver:

Situation: The insured was driving a vehicle when it was struck at high speed by an uninsured and intoxicated driver. The insured was airlifted from the accident scene to a hospital. He sustained spinal injuries and other complications as a result of the accident.

Outcome: Because the insured elected to purchase Excess Uninsured/Underinsured Motorists coverage on his RLI Personal Umbrella Policy, and had purchased the required minimum limit of primary uninsured/underinsured coverage on his auto policy, the insured was paid the full $1 million Excess Uninsured/Underinsured Motorists policy limit in addition to his primary coverage for an accident that was not his fault.

Accident odds will increase dramatically over the next few months. Talk to your customers about how an RLI Personal Umbrella policy can help protect them when they’re on the road this holiday season. They’ll be thankful you did. 

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