Supplemental Underinsured Motorist (SUM) Coverage

Let a Newburgh Motorcycle Accident Attorney Protect You

One of the most important aspects of a motorcycle rider’s insurance policy is supplemental underinsured motorist (SUM) coverage. This coverage can protect riders in the event that they should ever be hit by an uninsured driver, providing compensation for medical expenses, lost wages, and damaged property.

At Mainetti, Mainetti & O’Connor, P.C., our motorcycle accident attorneys regularly visit local motorcycle clubs and advocate for this type of coverage, as it can provide invaluable financial support for riders and their families in the event of a collision. We represent victims of injuries and are ready to help you get the compenstation you need for a serious personal injury.

Contact our office today to discuss your policy with one of our firm’s skilled attorneys.

How Does SUM Coverage Work?

New York law requires all drivers to have a mandatory minimum liability coverage of $25,000/$50,000, meaning that the most any one injured person can receive in the event of a collision is $25,000 and $50,000 for all persons injured. While drivers can purchase more of this coverage, those with poor driving histories tend to only stick to the minimum. Since a single day in a hospital’s Intensive Care Unit (ICU) can cost up to $18,000, these funds can disappear in a heartbeat. Therefore, it is crucial that motorcycle riders protect themselves with their own SUM coverage.

While your liability coverage protects other drivers, SUM insurance protects you up to the limits of your policy. For example, if you were to purchase a $100,000 SUM insurance policy and were hit by a driver with the minimum $25,000 coverage, you would be able to pursue an additional claim with your own insurance company for up to $75,000 in damages.

Should I Purchase SUM Coverage?

Yes! Since motorcycle riders are already extremely vulnerable on the roads, it is vital that riders take extra precautions to protect themselves. This coverage usually only costs $50-$100 extra per year, which is minimal when compared to the crippling expenses that can come with a sudden collision. The exact amount of coverage a person needs will vary depending on their situation, though a person can rarely go wrong by purchasing extra protection.

Get a Kingston Motorcycle Accident Lawyer on Your Side

At Mainetti, Mainetti, & O’Connor, P.C., our injury lawyers advocate for the rights of motorcycle riders in Poughkeepsie, Newburgh, Ellenville, New York City, and throughout the Hudson Valley, recovering millions of dollars in damages on behalf of injured bikers.

If you have any questions about SUM coverage or need to file a claim, contact our office online or call (845) 340-4878 today!

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