When you’re involved in a car accident in New York, the first thing most people think about is the other driver’s insurance. But here’s the truth many people don’t realize until it’s too late: New York’s minimum insurance limits are low, and far too many drivers carry only the bare minimum.

That’s where UIM/SUM coverage —Underinsured Motorist and Supplemental Underinsured Motorist coverage—comes in. It’s one of the most important parts of your own auto insurance policy, yet one of the least understood.

What Is UIM/SUM Coverage?

UIM (Underinsured Motorist) and SUM (Supplemental Underinsured Motorist) coverage protect you if you’re injured in a crash caused by a driver who doesn’t have enough insurance to cover your medical bills, lost wages, or long-term injuries. In other words, your own policy steps in to fill the gap.

New York requires policies to include a basic level of protection, but that minimum is often not nearly enough. Many New Yorkers increase their UIM/SUM limits for exactly this reason—serious injuries can easily exceed a minimal policy.

Why This Matters in New York

New York’s minimum bodily injury coverage is just $25,000 per person. In a real injury case, that amount can be exhausted quickly—sometimes before you even leave the hospital.

If the at‑fault driver only carries the minimum, and your damages are higher (which is common), your UIM/SUM coverage can make the difference between a small settlement and the compensation you actually need.

You Must Have the Coverage Before the Accident

This is one of the biggest surprises for many people. You can only use the UIM/SUM limits that were on your policy before the collision. You can’t add or increase coverage after an accident and apply it retroactively.

That’s why it’s smart to review your policy now—before you ever need it.

How UIM/SUM Works in Real Cases

Here’s a typical example: You’re seriously injured in a New York car accident. The other driver has the $25,000 minimum. Your medical bills, lost wages, and long-term injuries far exceed that. If you have higher SUM coverage—say $100,000 or more—your policy can step in to make up the difference.

Without SUM coverage? You may be limited to that $25,000, even if your injuries are worth far more.

When to Contact a Lawyer

UIM/SUM claims can be complicated, and insurance companies often push back—sometimes even your own insurer. If you’re dealing with injuries, lost income, or questions about your coverage, you don’t have to handle it alone.

I help clients throughout Nassau County and the Nassau–Queens border understand their rights, navigate the insurance process, and pursue the compensation they deserve after an accident.

Experience you trust. Attention you deserve.