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.

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Read What Our Past Clients Have to Say About Us
  • Dan & the team were incredible from start to finish!

    “Dan and the team were incredible from start to finish - tremendously professional and achieved a tremendous result for me. I cannot thank them enough for their dedication and trustworthiness. Would ...”

    - Benjamin H.
  • Daniel Flanzig is a top-notch personal injury lawyer!

    “Daniel Flanzig and his firm gave me expert advice in regards to the best options to take to resolve my bicycle accident case. He went above and beyond my expectations. Daniel kept me informed every step of the way. I received a settlement in less than 6 mo”

    - Sam
  • Attorney Daniel & his firm got the job done & in a timely manner!

    “Daniel and his firm got the job done and in a timely manner! I was hit by an unlicensed, out-of-state driver on a CitiBike. He got me a good settlement! Thanks, Dan!”

    - Karyn T.
  • Daniel Flanzig's professionalism is exceptional!

    “We really appreciate you and your staff. Excellent service. Daniel Flanzig, you're professionalism is exceptional. It was very helpful to know that we chose the best attorney to handle our case. We ...”

    - Coco S.
  • Professionalism & Highly Recommended!

    “Daniel had to explore a few different avenues for my case, but he stuck with it and eventually won a significant settlement that I was happy with. I hope I never hat to, but if any of my friends or ...”

    - Alex B.
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