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How does SUM coverage work?
The SUM endorsement is a pro-consumer coverage that allows an insured to protect himself and his family. In contrast, the SUM endorsement pennies one to set a minimum level of financial protection that will potentially be available to cover the pain and suffering and economic loss of the claimant and his or her family.
What is supplementary uninsured/under insured motorist bodily injury coverage sum)?
Known as supplementary uninsured/under insured motorist coverage (SUM insurance), it enables you to obtain compensation for your injuries under your own automobile or homeowner or tenant's insurance policy, in the event that you are injured by an uninsured or under insured driver.
What is supplemental uninsured motorist coverage?
Supplemental Uninsured/ Under insured Motorist Coverage Supplemental Uninsured coverage is coverage that is part of an endorsement on everyone's insurance policy in the state of New York that protects occupants of a vehicle when they are involved in a hit-and-run or hit by a vehicle with no insurance.
Is under insured motorist coverage mandatory for New York?
New York law also requires all auto insurance policies to include uninsured motorist (UM) coverage for bodily injury, subject to the same minimums. Uninsured motorist coverage only starts to pay for losses after the at-fault driver's insurance, if they have any, is exhausted.
What is SUM coverage?
SUM coverage stands for Supplemental Under insured Motorist coverage. Its partner is UM insurance coverage, which stands for Uninsured Motorist coverage. In 1993, the New York State Insurance Department prepared a prescribed policy form for Supplementary Uninsured Motorist coverage.
Do I need uninsured motorist bodily injury if I have health insurance?
Health insurance doesn't provide the same coverage as uninsured motorist coverage. Health insurance will at most cover your medical bills up to your limit whether the accident was your fault or a third party's. The bills are higher if a prolonged hospital stay is required, with co-pays and deductibles.
Does uninsured motorist coverage cover pain and suffering?
Uninsured Motorist Coverage (UM) helps pay for your damages when you're hit by a driver without liability insurance. Lost wages. Pain and suffering. Burial expenses.
How much can I get from an uninsured motorist claim?
Your claim may be worth $1,000,000 but if you bought just $100,000 in uninsured motorist coverage, your maximum recovery is the $100,000. In 25 years of handling uninsured driver claims, we have seen far too many clients with inadequate uninsured motorist coverage.
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