Uninsured, Under-insured and "Hit and Run" Motorist Claims (SUM)

Uninsured, Under-insured and "Hit and Run" 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 motorist coverage will be triggered when there is a "Hit and Run" or the vehicle that struck you has no coverage at all.

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.

  • American Arbitration Association SUM Rules and Forms
Despite NYC’s Vision Zero Progress, Most Hit-and-Run Drivers Avoid Arrest

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.

Real People, Real Stories

Read What Our Past Clients Have to Say About Us
  • Dan and his staff was instrumental in getting a fair settlement

    “Dan and his staff was instrumental in getting a fair settlement after a long delayed process held up by an unresponsive and uncooperative insurance company. Dan was always available to answer any ...”

    - R.P.
  • Highly recommend for cycling accidents!

    “Worked with Daniel and had a great experience at a very reasonable fee. He is a cyclist himself so understands and relates very well to challenges and biases cyclists face. It helped a lot that he ...”

    - Alex C.
  • I recommend him and his firm extremely highly for anyone unfortunate enough to be involved in an accident.

    “Great experience working with Flanzig & Flanzig! I connected with Daniel after a bike accident, and he helped me navigate the yearslong legal process that ensued, including all the legal forms, ...”

    - Avner M.
  • Dan is great to work with: so honest, understanding and responsive. The best in his field!

    “When I was hit by a car during a group ride in July 2019 and my bike was totaled, I thought I could effectively handle the settlement with Geico (driver's insurance) myself...but a few frustrating ...”

    - Lisa V.
  • Without hesitation, the best firm a cyclist (be commuter, courier, athlete, etc.) can use.

    “Flanzig & Flanzig truly exceed expectations, is punctually resourceful, respectfully considerate of your best interest and wellbeing, and absolutely persistent.”

    - Chris C.
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