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Post being replied to

UM/UIM by ND92

Many would be surprised that their umbrellas excludes UM/UIM. Many carriers experienced significant losses with this so they offer umbrellas without UM/UIM. Have to request it for most carriers. Including the coverage may double the price, but it is well worth it since there is a higher probability (depending on where you live) that people are driving around with state minimum limits or no insurance at all.