The U.S. Department of Transportation (DOT) reports that 24% of weather-related vehicle crashes occur on snowy, slushy, or icy roads, leading to over 1,300 fatalities and 116,000 injuries annually. In Tennessee, where winter weather can cause dangerous road conditions, it’s crucial to educate customers about the importance of an RLI personal umbrella policy (PUP).

The standard auto insurance coverage may fall short when it comes to covering the aftermath of serious accidents, especially when faced with medical bills or catastrophic lawsuits stemming from incidents involving uninsured or underinsured motorists. A personal umbrella policy can significantly enhance an insured's liability protection beyond the basic limits of their auto and homeowners policies.

Consider this real-life example:
An insured driver was traveling on an icy road when an uninsured motorist lost control and collided with their vehicle at high speed. The insured sustained serious spinal injuries and required airlift transport to a hospital. Thanks to their decision to purchase excess UM/UIM coverage with their RLI PUP and the required minimum limits of primary UM/UIM coverage on their auto policy, the insured received the full $1 million excess UM/UIM policy limit in addition to their primary coverage—even though the accident wasn’t their fault.

Don’t be caught unprepared when winter weather strikes. Protect yourself from financial risks by discussing how an RLI personal umbrella policy can provide crucial coverage. Visit https://www.riseins.com/personal-umbrella to learn more about the RLI PUP and call RISE for more a more personalized review of your needs today at 423.541.1111