Only if you specifically buy the umbrella carrier’s UM/UIM excess endorsement — it is not automatic. Standard personal umbrella coverage layers on top of your own liability coverage (what you owe others when you cause an accident), while UM/UIM protects YOU when the at-fault driver has insufficient coverage. Because Southeast states have high concentrations of drivers carrying state-minimum or no bodily injury liability at all, the excess UM/UIM endorsement is one of the highest-value optional coverages available — typically $50 to $200 per year additional depending on state.
The endorsement is particularly valuable in Florida (where BI liability is not required at all), Louisiana (where 15/30/25 is the state minimum), and Mississippi and Alabama (both at 25/50/25). Also see the Tennessee, North Carolina, and Georgia guides. For a UM/UIM primer see the III.org uninsured motorist explainer. Get UM/UIM excess pricing at bridgewayins.com/quotes or call (877) 418-2484.
