Navigating Umbrella Insurance Policies with a Spouse’s Prior License Suspension
Securing comprehensive liability coverage is a crucial step in protecting your assets and ensuring peace of mind. However, what happens when your situation involves a spouse with a prior license suspension?
Recently, I encountered a challenge while attempting to renew my umbrella insurance policy with RLI. The policy had lapsed, and upon renewal, my application was rejected. The reason? My spouse’s driver’s license was suspended back in March. Although her license has since been reinstated and we’ve increased our auto insurance coverage to meet RLI’s requirements, the insurer continues to decline the application because her suspension falls within the past five years.
This experience raises an important question: Are there other insurance providers willing to offer umbrella coverage under such circumstances? Or does one essentially need to proceed with a policy that covers only themselves?
If you’ve faced similar hurdles or have recommendations for insurers open to this kind of situation, sharing your insights could be invaluable. Navigating insurance policies can be complex, especially when past liabilities or suspensions come into play. It’s important to explore all options to ensure you and your loved ones are adequately protected.
Stay informed, compare providers, and don’t hesitate to reach out to insurance professionals for personalized advice tailored to your circumstances.
