What is excess Uninsured/Underinsured Motorist coverage?

Scenario: You’re involved in an accident with a driver who only has $50,000 in liability coverage. Your medical bills and lost wages total $275,000.

Without Excess UM/UIM:

Your regular UM/UIM covers $250,000, leaving a $25,000 gap you’d have to pay out of pocket.

With Excess UM/UIM:

Your regular UM/UIM covers $250,000.

Excess UM/UIM steps in to cover the remaining $25,000, ensuring you’re fully compensated for your losses.

 Key takeaway: Excess UM/UIM bridges any potential gaps in your coverage, protecting you from financial hardship when accidents happen with drivers who don’t carry enough insurance.

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