What is SUM/UM Insurance?
Supplemental Uninsured/Underinsured Motorist (SUM/UM) coverage is an additional layer of protection on your own auto insurance policy. It covers you when you’re injured in a crash caused by a driver with little or no insurance. The New York State minimum liability coverage (25/50K) is not enough to cover serious injuries. victims struggle to pay medical bills, lost wages, and long-term recovery costs. Every person should check their car insurance policy NOW and make sure their SUM coverage matches their liability limits.
Why You Need to Check Your Policy
Drivers assume they are fully covered but learn, after a crash, that their policy has no SUM/UM coverage. This type of SUM/UM coverage is not very expensive and bridges insurance gaps. It gives you access your own policy’s limits when the careless driver’s insurance falls short.
Real-World Impact
At BKS, we know and protect our clients rights to (SUM/UM) insurance. Recently, Maureen had 4 clients who were paid in excess of 6 figures from their own SUM policies. A reckless driver with only a 25K policy did not limit our clients rights to an adequate recovery.
Take Action Now
Check your policy today and make sure your SUM/UM coverage is at least equal to your liability limits. You should work with an agent you trust. Seek referrals from friends and family, not online. Protect yourself and your family before a collision happens—because when it does, SUM coverage will make all the difference.
At Basch Keegan and Spada, we fight for injured clients across the Hudson Valley. If you’ve been injured in a crash, contact us for a free consultation. BKS, Here to Help.