In today's fast-paced world, where traffic congestion and accidents are commonplace, protecting yourself and your assets is crucial. While having adequate auto insurance coverage is essential, many individuals overlook the importance of including excess uninsured motorist bodily injury coverage on their personal umbrella policy. Here are a few of the benefits and significance of this coverage, highlighting why it should be a top priority for every responsible driver.

*   Understanding Excess Uninsured Motorist Bodily Injury Coverage:

Excess uninsured motorist bodily injury coverage is an optional add-on to your personal umbrella policy. It provides additional protection when you are involved in an accident caused by an uninsured or underinsured motorist. This coverage steps in to compensate for medical expenses, lost wages, and pain and suffering that exceed the limits of the at-fault driver's insurance coverage.  Not just for the driver, but for all vehicle occupants.

*   Enhanced Protection Beyond Auto Insurance Limits:

While your auto insurance policy may have certain liability limits, they might not be sufficient to cover the full extent of damages and medical expenses resulting from a severe accident. Excess uninsured motorist bodily injury coverage on a personal umbrella policy helps bridge the gap between the at-fault driver's coverage and your actual expenses, ensuring that you are adequately protected financially.  This can be the most affordable way to cover long-term disability expenses.

*   Financial Security in Case of Underinsured Drivers:

Unfortunately, not all drivers carry adequate insurance coverage. In the event of an accident caused by an underinsured motorist, you might find yourself responsible for the remaining costs. Excess uninsured motorist bodily injury coverage on your personal umbrella policy offers an extra layer of security, ensuring that you are not burdened with hefty medical bills and other expenses due to someone else's lack of insurance coverage.

*   Comprehensive Personal Injury Protection:

Personal injury protection is a vital aspect of any insurance policy. Excess uninsured motorist bodily injury coverage extends this protection to encompass accidents involving uninsured or underinsured motorists. By including this coverage in your personal umbrella policy, you safeguard yourself and your passenger against the potential financial implications of being involved in such accidents.

*   Peace of Mind for You and Your Loved Ones:

Having excess uninsured motorist bodily injury coverage not only shields you from financial hardships but also provides peace of mind. Knowing that you are adequately protected in case of an accident involving an uninsured or underinsured motorist allows you to focus on recovery and moving forward, rather than worrying about the associated expenses.

Incorporating excess uninsured motorist bodily injury coverage into your personal umbrella policy is a wise decision for any responsible driver. This coverage ensures that you are protected financially in the event of an accident caused by an uninsured or underinsured motorist, providing comprehensive personal injury protection. By securing this additional layer of coverage, you gain peace of mind, knowing that you and your loved ones are safeguarded against unexpected financial burdens. So, don't overlook the significance of this coverage; consult your insurance provider today to ensure that you have the necessary protection in place for a secure future.

Want to discuss whether or not your policy offers this valuable benefit, we are here to help!  Call us at 714.992.2390 or submit a consultation request HERE!