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UMmmm . . . SUM Auto Insurance Policies are Better Than Others

One of the least understood and, therefore, overlooked options for automobile insurance is the one that provides uninsured and underinsured liability coverage.  It is listed on the policy declarations page under the heading “UM/SUM.” Uninsured Motorist coverage “UM” is mandated by New York State.  It protects the driver and passengers of a vehicle who are …

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…a couple of more reasons to buy SUM coverage on your auto policy

Get into an accident with a rental car?  Recent federal law, which preempts New York’s vicarious liability law, insulates the Herz, Avis and Dollars of the world from any liability for the negligence of the rental car driver.  To add insult to injury, the rental companies are only required to carry $25,000 in coverage on their vehicles.  Add that …

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