Supplementary Underinsured & Uninsured Motorist Coverage

Fishkill Injury Attorney Serving Wappingers Falls, Beacon, Lagrangeville and Nearby Areas of Hudson Valley

VIDEO TRANSCRIPT: I’m Ira Maurer, founder of the Maurer Law Firm located in Fishkill, New York in the heart of the Hudson Valley. Welcome to our Website. At the Maurer Law Firm, we represent clients who live in the Northeast Region of the United States who’ve become victims of a serious injury due to a motor vehicle accident or some other type of traumatic event. At the Maurer Law Firm, it’s our belief that every client needs to be educated about their injuries and how the legal process works.

The State of New York requires every car driver to carry a minimum amount of liability insurance for any bodily injuries and property damage they cause as well as no-fault personal injury protection benefits and supplemental uninsured/underinsured motorist coverage, also known as SUM coverage. While this is the law, far too many drivers get behind the wheel each day with no insurance at all. In New York, you can operate a car with the minimum amount of liability insurance of just 25,000 dollars for any one injury claim and 50,000 dollars for all injury claims stemming from the same accident. That means the most anyone injured due to your negligence will be able to collect from your insurance company is just 25,000 dollars, and only 50,000 dollars is available to compensate people you negligently injure, no matter how many victims are involved.

In New York, every car must also have insurance, which includes SUM coverage of 25,000 dollars and 50,000 dollars. That means that if someone negligently causes their vehicle to strike your vehicle and they don’t have any insurance, you can submit a claim to your own insurance company under your SUM coverage and your insurance will pay up to 25,000 dollars for your claim and up to 50,000 dollars to all injury victims. Any serious injury is worth substantially more than 25,000 dollars. Unfortunately, most car drivers are grossly underinsured for liability. However, if you maintain more than the minimum amount of SUM coverage on your vehicle, you may be able to collect additional money for your injury.

Here’s how it works: Let’s say that a negligent driver has a $25,000/$50,000 liability policy and you maintain SUM coverage of 250,000 dollars and $500,000 on your policy. Under these circumstances, the maximum you can collect for your injury is 250,000 dollars with the first $25,000 coming from the negligent driver’s insurance and up to $225,000 coming from your own insurance company. Keep in mind, when it comes to SUM coverage claims, they do not add the two policy limits together. They subtract the negligent driver’s policy limits from your SUM coverage and what remains is the maximum available to you.

If you are able to collect money from the other driver beyond their liability insurance policy limits because the other driver has assets that can be used to satisfy your injury claim, that additional amount will also be deducted from your SUM coverage as well. It is of the utmost importance that the procedure for SUM coverage claims be complied with or your claim will be denied. An experienced personal injury attorney should be used to ensure the SUM coverage claim is filed and pursued correctly. Thank you for watching this educational video.

For more information, please visit our website at or call the Maurer Law Firm at 845-896-5295 to schedule a FREE in-depth consultation to review your personal injury claim today. At the Maurer Law Firm, we treat your injuries and the impact they have on you and your families, personally, as if our lives also depend on it.