The Importance of Supplemental Underinsured Motorist Coverage

Jan. 30, 2013

Car insurance fraud is a major concern in New York. The New York Daily News recently published a story claiming that an estimated 36 percent of insurance claims made in New York City involve accidents that never happened or have been inflated. This has led to a significant rise in insurance rates across the state. Experts say that as the costs for insurance rise, more citizens will be tempted to drive without having enough coverage or without insurance at all.

Many concerned citizens are unaware of how they may be affected if they are involved in a car accident with an underinsured or uninsured motorist.  The Buffalo Car Accident Lawyers with William Mattar Law Offices say that it can be a complex and drawn-out process to receive compensation when an at-fault driver does not have proper insurance coverage.

The lawyers explain that one of the best ways to keep you and your family safe from the harm due to an accident with an uninsured or underinsured motorist is to purchase Supplemental Underinsured Motorist Coverage (SUMC). Drivers are only required to carry auto liability bodily injury coverage of $25,000 per person and $50,000 per accident.

However, an accident resulting in a serious injury could be much more expensive than this minimum coverage. A USMC policy may cover any expenses above the amount of coverage an at-fault driver has on their policy.