- SUM insurance in New York is Supplementary Underinsured and Uninsured Motorists coverage.
- You will have limited coverage of $25,000 whether you ask for it or not.
- This coverage is important when the car that causes an accident has too little insurance to cover the injuries that were caused by that accident.
- You can go to your own insurance to make a claim under the SUM coverage for the negligence of the other driver.