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
  • Daniel and the team are great

    “Daniel and the team are great, helpful and do whatever is necessary to make sure you get a proper and fair ending to your scenario.”

    - Rohit B.
  • I strongly recommend them.

    “Daniel Flanzig was extremely helpful and kind and executive helping me deal with the crash I suffered last Friday. He made sure I understood the process and was fairly compensated for the damage on my bike and avoid unfair medical bills. His office answere”

    - Aime L.
  • Flanzig & Flanzig are true advocates for New York's bike-riding community! I would recommend them to anyone.

    “I was doored when riding my bike in Brooklyn. I broke my hand in the accident and had surgery plus pins inserted to repair it. I hired Flanzig & Flanzig as my personal injury lawyers and I am so glad that I did! They handled every step of the process. ”

    - Janet U.
  • Dan and his team did an exceptional job for me – they should get 6 stars!

    “I had a bike crash and didn’t know where to turn for representation. I spoke to a number of law firms, but none of them understood what a crash meant to me as an everyday bicycle rider. From the first ...”

    - Christopher H.
  • 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.
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