Posted On: November 27, 2007, 2:03 pm CST

Posted By: Cali-Agent

If you carry an umbrella, with no underlying car insurance, then more than likely your umbrella has a vehicle exclusion attached. A Non-Owned Auto policy with the satisfactory underlying limits wiii remove the exclusion, as well as provide you umbrella protection on usage of your company car, should you exhaust your company's liability limits. It wil also provide additional laibility protection should you rent a car, borrow a friend's/relative's car, or happen to drive a vehicle that may not have insurance coverage. We chose to de-certify ourselves from the Assigned Risk plan, solely because we didn't want to be selling the low cost auto policy for the pidly income it generates when forced to gather up all the documentation to have it issued.....then cancel when the next payment is due.