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Car Insurance / “SUM” Coverage

Many car owners think that they are fully insured and that their family is totally protected in the event of an accident. Sadly, this is not always the case and many car owners realize this after it is too late. Not having sufficient “SUM” (Supplemental Uninsured / Underinsured Motorist) coverage could be devastating. If the vehicle that causes the accident doesn’t have insurance or doesn’t have enough insurance, your only recourse may be to recover from your SUM coverage if you have adequate limits. Therefore, it is essential to determine if your vehicle is properly insured. Call us so that we can explain the important provisions of SUM Coverage.

Find out if your liability coverage is adequate. Are you covered for a rental car should your own car become disabled as a result of an accident? Does your insurance policy provide you with coverage should you suffer property damage as a result of an accident? What happens if you cause property damage to another? Are you familiar with the complexities of no fault benefits? Additional no fault benefits include excess loss wage protection and personal injury protection. Is your no fault coverage adequate to cover a serious accident? Call our office so that we can discuss these important subjects with you.