Every auto policy with Liability Coverage includes protection at minimum bodily injury limits of $25,000 per person/$50,000 per accident for you and your passengers in the event of bodily injury sustained in an accident in the State of New York for which an unidentified or uninsured driver (i.e., stolen car, hit and run, policy cancelled) is legally liable. As additional protection, Supplementary Uninsured/Underinsured Motorists (SUM) Coverage is available. It provides protection for both in- state and out-of-state accidents.
SUM coverage may be carried with limits up to the bodily injury limits you have chosen. Below is a list of the limits that are typically available.
Per Person/Per Accident
$ 25,000/$ 50,000- Not recommended.
$ 50,000/$100,000- Not recommended.
$100,000/$300,000- The least you should have.
$250,000/$500,000- Strongly recommended.
Basics of SUM coverage
1. A person should purchase SUM coverage in order to protect against the possibility of an accident involving another motor vehicle whose owner or operator was at fault and who:
a. May have no insurance whatsoever; or
b. Even if insured, is only insured at relatively low liability limits, in comparison to your own liability limits for bodily injury.
2. By purchasing SUM coverage, you and your family can:
a. Be protected for bodily injury to themselves, up to the limit of the coverage purchased; and
b. Receive from your own insurer payment for bodily injury sustained due to the fault of the other motor vehicle’s owner or operator.
3. Your SUM coverage protects you and your family even when you are not in your car. It is a layer of protection even when you are in someone else’s car, riding your bicycle or crossing the street. SUM is in fact one of the most essential coverages to obtain for you and your family.