Why You May Want to Increase the SUM Limits on Your Car Insurance Policy
What is Supplemental Uninsured/Under Insured Motorist Car Insurance?
New York drivers must carry supplemental uninsured/under insured motorist car insurance (SUM) to protect themselves if they are involved in a car crash with a driver who is under insured or uninsured. Although SUM coverage is a part of all NYS auto insurance policies, many drivers may not be aware that inadequate SUM coverage limits can cause you to go under compensated after a motor vehicle collision.
Uninsured Motorist Coverage
If you are hit by another driver who is not insured, SUM coverage will pay at least $25,000 for pain and suffering. NYS drivers have the option to purchase increased SUM coverage in an amount greater than $25,000.
Under Insured Motorist Coverage
If the at-fault driver has insurance coverage but it is not sufficient to pay for your damages, under insured motorist coverage may help pay as long as the under insured coverage you bought exceeds the limits of the at-fault driver's coverage.
Why You Should Consider Increasing SUM Limits on Your Car Insurance Policy
SUM coverage is important to give you peace of mind so that you know compensation for pain and suffering will be paid regardless of the auto insurance status of the at-fault driver.
Some NYS drivers carry the minimum $25,000 in coverage simply because they are not aware additional coverage exists. In fact, you may be surprised at how little your insurance company charges to increase SUM limits. If you are concerned you might get in an accident with an uninsured or under insured driver, call your auto insurance today to learn more about increasing SUM limits on your car insurance policy.
Making a SUM claim is time-consuming and complicated, involving submission of correctly filled documents, police reports and other information about the accident. People seeking to make a SUM claim are often recovering from accident injuries at the hospital or at home and are unable to make claims in a timely manner.
William Mattar accident attorneys are here to represent you when dealing with the at-fault driver's car insurance company, determining insurance coverage that driver had at the time of the accident and making sure you receive adequate compensation for your injuries.
If you have suffered serious physical injuries in a New York State car crash, call the experienced personal injury lawyers at William Mattar today for a free consultation.