If you're short on time, here are highlights of the episode:
 
Shopping for an Umbrella Policy with Underinsured and Uninsured motorists (1:10) 
 
Definition of Uninsured driver (1:33) 
 
Definition of Underinsured (1:47) 
 
Auto Insurance protection for bicyclists (2:05) 
 
Explanation of Umbrella policy (2:40) 
 
Umbrella policy for Liability vs. Underinsured and Uninsured Motorist (3:10) 
 
When to get an Umbrella? (3:48) 
 
Umbrella Recommendation (4:31) 
 
Cost of Umbrella policy (5:07) 
 
Types of Coverage (5:55) 
 
Recent Real World Example (6:20) 
 
Exhausting Policy before Umbrella begins (6:38) 
 
Full articles at 911LAW.com (7:04)