Uninsured or Underinsured

If you are seriously injured by someone with no car insurance or minimal insurance, you can sometimes make a claim against your own car insurance company to make up the difference.

One of the coverages in your car insurance policy protects the people in your household if they are injured in a collision caused by an uninsured or underinsured motorist. The coverage is commonly called, “un-insurance” (UM) or “supplemental under-insurance.” (SUM).  This coverage also protects injured people in your household if they were a pedestrian hit by an uninsured or underinsured car. It even provides protection when injuries are caused by hit and run drivers.

Every New York auto policy has the minimum of $25,000 in UM coverage.  For a small additional cost, you can purchase Supplementary Underinsured Motorists (SUM).  Typical policies are up to $250,000 per person per accident and $500,000 per accident. With this coverage, you can guarantee that you and your family will be protected from someone else’s negligence. Many Buffalo drivers carry minimal insurance. If the other vehicle is insured but with limits lower than the limits on your policy, SUM coverage may be used to make up the difference if you’ve purchased it.

We strongly recommend the purchase of inexpensive Supplementary Underinsured Motorist (SUM) coverage to provide protection against the majority of drivers who fail to properly insure their vehicles. Consult your insurance agent for rates.