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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Why do so many drivers fail to get SUM coverage on their auto policies?

It happens oh so frequently.  I meet a recent accident victim for a consultation in my office.  They’ve been rear-ended or struck by some driver blowing a stop sign and they’ve sustained a fractured leg or arm or some other serious injury.  They need surgery and will be out of work for months.  At first glance they have …

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