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.
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"Flanzig & Flanzig took care of everything for me."Daniel Flanzig and his firm have done the best work with my case. I was having issues with an accident where a vehicle ran a red light and hit me on a bicycle. Super satisfied and very impressed with how a process like this felt so streamlined.- Engz K.
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"I felt their support throughout the whole process."They handled the case in a very professional and efficient manner, always nice and easy to deal with. They are both very knowledgeable, experienced, and I felt their support throughout the whole process.- Feliks P.
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"We are truly grateful for their support during such a difficult time."My 88-year-old mother was sideswiped by a car while crossing the street, and one of the tires rolled over her foot, causing multiple fractures. We were overwhelmed and unsure what to do until a friend referred us to Daniel Flanzig.- Ellen C.
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"Made the process very low-stress for me."Daniel Flanzig and his team represented me in a personal injury case following a bike accident in NYC. The case recently concluded, and I'm confident the outcome was significantly better than it would have been had I attempted the suit on my own.- Jens J.
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"Thanks to Dan and the team, I have a fighting chance."I have always been extra cautious on the streets of NYC and eventually became a cycling enthusiast. All this time, I never had a very serious car crash on the streets of NYC until 2 years ago. I was doored.- FCR
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"Amazing team, extremely responsive, and efficient."An amazing team, extremely responsive, efficient, and just pleasurable to work with! Shirley was always there for me when I had questions, and I felt like I was always updated very quickly.- Anthony N.
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"They were supportive, efficient, and effective."Daniel, Cathy, and Shirley were incredibly helpful throughout my entire process. They were supportive, efficient, effective, and best of all, so responsive to all my questions and requests. Thank you!- Lou M.
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"They were very responsive, transparent, and remained vigilant."In the end, Daniel negotiated a settlement that was more than fair. While I would not recommend breaking a hip, I definitely recommend working with Flanzig & Flanzig. Thank you again!- Stan N.
Why Choose Flanzig & Flanzig, LLP?
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Leaders in the Safe Streets Movement
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Committed Advocates for New York Cyclists
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Top-Rated New York Attorneys
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Dedicated to Helping Cyclists
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Free Consultations
