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Connecting the Coverage Dots:
UM/UIM Across Personal, Commercial and Rideshare Risks

Uninsured and underinsured motorist coverage can become complicated once a loss moves beyond a straightforward personal auto accident. Connect the coverage dots across pedestrians, bicyclists, company vehicles, employees driving for work, rideshare risks, and other exposures. Examine offset versus enhanced or stacked UIM, Regular Use exclusions, commercial auto decisions, UMPD, and excess UM/UIM. Real-world scenarios and recent developments illustrate how state rules and policy provisions can change outcomes, helping producers and adjusters ask better questions, identify potential gaps, and document coverage decisions. 

Pricing
$64.00*		Webinar Duration
120 Minutes		CE Requirements
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Webinar Details

More Than a Van:  The Hidden Layers of Delivery Auto Risk

UM/UIM coverage can follow people into places they may never expect, but gaps can follow them too. Connect uninsured and underinsured motorist coverage across personal, commercial, and rideshare risks. Examine pedestrians, company vehicles, high earners, rideshare exposures, Regular Use exclusions, UMPD, and umbrellas to better identify coverage gaps and improve client and claim outcomes. 

Topics

  • Connect UM/UIM coverage principles across personal, commercial, workplace, and rideshare exposures.
  • Compare offset and enhanced or stacked UIM and how each can affect available recovery.
  • Identify potential gaps involving company vehicles, Regular Use exclusions, and employer UM/UIM decisions.
  • Assess changing rideshare coverage requirements and how protections can vary by state and TNC period.
  • Strengthen coverage reviews by incorporating UM/UIM, UMPD, umbrella options, and targeted client questions. 

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