🚗 New York UM/UIM Lawyers
Understanding SUM Coverage in New York | Flynn Law
New York has one of the most unique insurance systems in the country, combining no-fault benefits with supplemental uninsured/underinsured motorist (SUM) coverage. While no-fault insurance covers basic medical expenses and lost wages, it does not provide compensation for pain and suffering unless certain thresholds are met. This is where SUM coverage becomes critical.
At Flynn Law, we help clients throughout New York navigate complex UM and UIM claims, ensuring that all available coverage is pursued.
⚖️ New York Uninsured Motorist (UM) Coverage
New York requires all drivers to carry UM coverage.
Minimum Limits:
- $25,000 per person
- $50,000 per accident
This coverage applies when:
- The at-fault driver is uninsured
- The accident involves a hit-and-run
⚖️ New York SUM Coverage (Underinsured)
New York refers to UIM as Supplementary Uninsured Motorist (SUM) coverage.
Key Rule:
SUM coverage applies only if your policy limits exceed the at-fault driver’s limits.
💣 No-Fault + SUM Interaction
New York’s system includes:
- No-fault benefits (PIP)
- Serious injury threshold
- SUM coverage for additional damages
⚠️ Serious Injury Threshold
To pursue pain and suffering, you must meet New York’s legal threshold.
⚖️ How SUM Claims Work
- Filed against your own insurer
- Often resolved through arbitration
- Require detailed medical and liability proof
💰 Compensation Available
- Medical expenses beyond no-fault
- Lost earnings
- Pain and suffering (if threshold met)
- Long-term damages
❓ New York UM/UIM FAQ
Is UM required in NY?
Yes.
What is SUM?
Supplemental underinsured coverage.
Can I recover pain and suffering?
Only if you meet the serious injury threshold.
📞 Contact Flynn Law Today
If you were injured in New York by an uninsured or underinsured driver, Flynn Law can help you pursue full compensation.