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Why S.U.M. coverage is so very important.

4/23/2019

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S.U.M. means supplemental uninsured or underinsured motorist coverage. When you buy auto insurance in New York, you are required to protect the driving public against your causing an auto accident - that is what your liability limits are for, the other driver.

What most people are NOT aware of is S.U.M. limits are to protect you against other at-fault drivers, who carry either little or no insurance (it lapsed?). So this is a way to protect you & your family against other drivers carrying low limits of insurance. It is a way for you to collect on your own insurance policy.

What drivers me crazy is when I see prospects or auto insurance policies that have the minimum NY State limits of $25,000 per person/ $50,000 per accident for S.U.M. Mr or Mrs. Insurance broker, why are you protecting them with high liability limits for other drivers and not themselves? You should always, always match your S.U.M. limits to your liability limits or your insurance person isn't doing their job. In reality, that is how you can judge if they have your best interest in mind or their own loss ratio (thus bonus money).
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  • Home
  • Quotes
    • Property Quotes >
      • Landlords Insurance Quote
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Renters Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Hair Salons Quote
      • Restaurant Quotes
      • Business Owners Package (BOP) Insurance Quote
      • Workers Compensation Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Wedding Insurance Quote
      • Pet Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Property >
      • Landlords Insurance
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Hair Salon Insurance
      • Restaurant Insurance
      • Business Owners Package (BOP) Insurance
      • Workers Compensation
    • Life/Financial >
      • Life Insurance
      • Umbrella Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Wedding Insurance
      • Pet Insurance
  • About
    • Blog
    • Client Testimonials
    • Refer a Friend
    • Free Reports
    • Staff Directory
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • News
  • Videos
    • Landlords Insurance
    • Comprehensive Coverage
    • Independent Insurance Broker VS an Insurance Agent
    • How to Get Good NY Landlord Insurance Policy
    • Homeowner and Liability Risks
    • Homeowners Garage Insurance
    • Property and Landlord Insurance
    • Underground or Service Line Homeowner Coverage
    • Running The Game with Tom Larsen
  • Contact
    • Privacy Policy
  • FAQs