New York’s Top Court Holds Uninsured Motorists Coverage Applies to Intentional “Accident”

We’ve stressed to our clients and in our writings the importance of protecting them and their families by obtaining as much Supplementary Uninsured Motorists (“SUM”) Coverage as possible. SUM coverage provides the insured and their family with coverage when they are injured or killed in a motor vehicle accident the fault of someone else who has no insurance or less liability insurance than the insured. In this way, you are not at the mercy of someone who not only causes harm but also has no or little insurance to compensate their victim.But is there coverage if the injured is the … Read the rest

Accident Injuring 4 Herricks High School Students Underscores Importance of Having Substantial Uninsured Motorists Coverage

New York State mandates that every policy of liability insurance issued to a motor vehicle provide Supplementary Uninsured Motorists (SUM) coverage. This coverage protects policyholders and residents of their household when a negligent party is either uninsured or has a smaller amount of liability coverage than the amount of SUM coverage.

One of the advantages of SUM coverage is that it affords coverage to the policyholder and his or her household members even if the insured vehicle is not involved in the motor vehicle accident. Unfortunately, a prime example of this kind of situation where SUM coverage comes into play … Read the rest