What difference is reduced UM coverage versus excess UM coverage?
Excess – provides additional protection at a higher premium than coverage you currently have, if not already chosen. If you or other eligible insureds are injured or have property damage caused by an uninsured or underinsured motorist, the excess UM provides protection that will pay for your damages in addition to the at-fault driver’s Liability Coverage limit up to your excess UM limit. Reduced – comparable to the coverage you may currently have. It provides less protection that the excess UM coverage but the premium is available at a lower cost. This coverage will only pay up to the difference between the at-fault driver’s Liability Coverage and your coverage.
