What happens if the other driver doesn’t have enough insurance after an auto accident?

When you’re injured in a car accident, you expect the at-fault driver’s insurance to cover your medical bills and damages. But what happens if the other driver doesn’t have enough insurance — or no insurance at all? That’s where SUM coverage, or Supplemental Uninsured/Underinsured Motorist coverage, comes in.

In New York, every auto insurance policy includes some form of Uninsured Motorist (UM) coverage. This protects you if you’re hit by a driver who has no insurance. However, UM coverage alone may not be enough. That’s why drivers can purchase SUM coverage — extra protection that steps in when the at-fault driver’s insurance isn’t sufficient to cover your injuries.

For example:

• If the other driver has only the minimum liability coverage of $25,000 and your medical bills and losses are far greater, SUM coverage can make up the difference.
• If the driver has no insurance, UM coverage ensures you still have a source of recovery.

Why is SUM Coverage important after a serious car accident?

Serious car accidents often cause injuries that exceed the minimum insurance limits. Without SUM coverage, you could be left paying out-of-pocket for medical bills, lost wages, and long-term care. SUM coverage acts as a safety net, protecting you and your family when another driver’s insurance isn’t enough.

A personal injury lawyer near me can review your policy, explain how much SUM coverage you have, and determine whether it applies to your accident.

How does SUM Coverage work in a car accident claim?

If you are injured in a crash and the at-fault driver’s liability coverage is lower than your SUM limits, your own insurance company may be required to pay the difference, up to the amount of coverage you purchased. This means your recovery doesn’t stop with the other driver’s policy — you can still pursue full compensation through your own.

Because insurance companies may dispute SUM claims, having an experienced auto accident attorney in Albany, New York or the surrounding area is important to make sure you receive the benefits you’re entitled to.

Protecting Yourself After a Car Accident.

Many people don’t realize how valuable SUM coverage is until it’s too late. Reviewing your auto insurance policy and increasing your SUM limits before an accident happens can make a major difference if you’re ever involved in a serious crash.

If you’ve been injured in a car accident and are unsure whether SUM coverage applies to your case, consulting with a knowledgeable car accident lawyer in Albany, New York or the surrounding area can help you understand your rights and options.