What is SUM/UM coverage, and why is it important to me?

Supplemental Under insured Motorist and Uninsured Motorist coverage is an important part of your automobile insurance policy. This portion of your policy covers you and your resident relatives up to the amount of coverage you purchase.

This means that if the person who causes a car accident is uninsured, there is still coverage for you and your household relatives, up to the amount of coverage you purchase.

This also means that if the person who causes an accident is Under insured, there may be additional coverage available up to the amount of your rider.

Under insured Motorist coverage does not provide coverage in the amount you purchase – it means that you have coverage up to the amount you purchase. In other words, any coverage the at-fault party has is deducted from the amount you purchase.

For example, if the at-fault party has the New York State minimum liability coverage of $25,000, and you have a $100,000 SUM/UM rider, then the most you could ever recover is $100,000. In basic terms, it means that you have an additional $75,000 available, that you would not have had if you did not purchase the SUM/UM rider.

There are many situations where your SUM/UM coverage might be used – but again, this is coverage for you. Even if you have $100,000/$300,000 in liability coverage, it might not mean there is that much available for you. It is a good idea to make sure that you are properly covered.

Contact us to review your automobile policy coverage, so that we can explain how the coverage works, each coverage’s limitations, and how it might benefit you.

 

     
     
 

WHY VOLUNTEER?

 
There are many benefits to volunteering in the community! Here are just a few:

Build Your Skills and Your Resume

Community work is a great way to build your resume and your skills. When you volunteer, you'll have the guidance of employers who are specialists in their fields. And because we partner with CARE, IJLEF and NACC, we suggest you visit these websites to volunteer now and develop the skills you seek.

Develop a Career Network

Networking is an incredibly important part of searching for jobs and building careers. Community involvement is one of the best ways to make connections and foster relationships that do just that. Not only will you build a network, many people who volunteer at an organization are offered permanent positions after some projects.

Enhance Your Education

One of the best ways to learn is through experience. What better way to gain experience than to work at an organization that fit your needs and interests? Many educational experiences can't be taught in a classroom.
     
       
     
       
     
     
             


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