UNINSURED AND UNDERINSURED CYCLISTS CLAIMS
In addition to successfully prosecuting and trying hundreds of cases, we
have been successful in obtaining millions of dollars for our clients
by forcing their own insurance company to pay Uninsured or Under Insured
claims. Underinsurance or uninsured coverage, also known as SUM coverage,
is coverage afforded to you by your own insurance company, to compensate
you if the offending vehicle is uninsured or underinsured. Underinsured
means your injury or damages exceed the coverage afforded by the other
vehicle. Uninsured means the vehicle that struck you has no coverage at all.
To learn more about SUM Coverage in New York for cyclists click the link below.
Read Our "Wheels of Justice" Column on Hit and Run, Uninsured
and Underinsured (SUM) Claims in NY
Uninsured motorist ("UM") coverage in New York State is mandatory.
Traditionally, an uninsured motorist claim could be made if the tortfeasor
was uninsured; if the tortfeasor had a policy of insurance, but the carrier
disclaimed coverage, or if the tortfeasor drove a hit-and-run motor vehicle
that came into physical contact with the claimant, or his/her vehicle.
Underinsurance ("UIM") coverage in New York State is optional,
which means the claimant must request this coverage and pay the additional
premium in order to enjoy this protection. This coverage is designed to
apply if the tortfeasor is covered by a policy of insurance, but the limits
are inadequate to properly compensate the injuries sustained by the claimant.
If you were struck by an uninsured or underinsured vehicle, contact us
to discuss whether you qualify to make a SUM claim in New York.
American Arbitration Association SUM Rules and Forms