Insurance companies should express the importance of SUM insurance to their clients. Call us today to schedule a free consultation.
SUM insurance is like an umbrella; If someone is seriously injured and their insurance does not sufficiently cover their injuries, their SUM coverage assists their underlying coverage that exceeds the value of the coverage that the responsible party has.
When you create your insurance policy, we urge you to make sure you are fully protected with your coverage. Part is this is making sure that you have a policy that will protect you if you are injured in an accident with someone who did not have car insurance. When you have SUM insurance, you can rely on your own policy to cover your damages when the liable party cannot provide that for you. This protects you and a member of your household if you get into accidents involving an uninsured driver. If you were involved in the accident already and are not sure when you are covered for, reach out to your insurance company to see what the policy says. We can also help you make sense of your policy if you need the help.
You can expect your SUM insurance to come into play if you are involved in an accident where the other party is at fault and they have no liability policy in their insurance or you have been involved in a hit and run accident, you have been involved in an accident with a driver who did not have enough coverage for your damages or finally if you have been entirely denied help from the other driver’s insurance company.
Generally speaking, your SUM insurance should cover a set amount above the mandatory minimum in your insurance policy. It is so important that you look over your insurance policy to see that you and your family are properly covered in the case that you are involved in an accident where you aren’t receiving the damages from the liable party in your accident.
The damages that you should be eligible for if you were involved in an accident can include the following:
- medical bills related to your injuries including hospital, ER, surgical, physical therapy, and follow up doctor visit bills
- lost wages if you had to miss work to recover from your injuries related to the car accident
- pain and suffering
We aim to give you the best possible results after you have been seriously harmed in a car accident regardless if the liable party is insured or not. Our Buffalo personal injury lawyers have helped many people in the same spot as you understand how they are to get the fullest and fairest results possible.
Call us today to set up your free first consultation. We want you to have justice and we know how to set you up on the avenue to success. We are here to take your call right away.
After settling the case against the responsible person, they can proceed against their own insurance carrier for the price difference between both parties