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WHAT IS “SUM” COVERAGE OR SUPPLEMENTARY UNINSURED/UNDERINSURED MOTORIST COVERAGE AND DO I REQUIRE IT?
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Many car owners and drivers 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 determine this after it is too late. Most people don't know what SUM (Supplemental Underinsured/ Uninsured Motorist) coverage is. SUM coverage protects you, your family and the occupants of your vehicle in several circumstances: 1) If the negligent vehicle doesn't have enough insurance; 2) If the negligent vehicle doesn't have any insurance; and 3) If the negligent vehicle leaves the scene of the accident (hit and run). This SUM coverage applies whether you are in your car or someone else's vehicle. Not having sufficient SUM coverage could be devastating. It is essential to determine that your vehicle is properly insured. An attorney can assist you in accurately making this determination and explaining the important provisions of SUM coverage.
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The Latronica Law Firm, P.C. 64 Division Avenue. Suite 107. Levittown NY 11756 |
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