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UM and SUM Coverage in New York: The Protection Most Drivers Don’t Understand

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Uninsured and Underinsured Motorist coverage—often called UM and SUM—is one of the most important parts of a New York auto policy, and one of the least understood.

What UM and SUM Mean

  • UM (Uninsured Motorist): Protects you if you’re hit by a driver with no insurance
  • SUM (Supplemental Underinsured Motorist): Applies when the at-fault driver’s insurance isn’t enough

Why This Coverage Is So Important

Many drivers on New York roads carry only the minimum required insurance. If they cause a serious accident, their policy may not cover your medical bills, lost income, or long-term care.

UM/SUM coverage allows you to rely on your own policy when the other driver can’t fully compensate you.

What I Commonly See

It’s very common for drivers to carry high liability limits but much lower UM/SUM limits—or none at all—without realizing the risk.

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Choosing the Right Limits

UM/SUM coverage should reflect:

  • Your income and earning potential
  • Your family’s financial needs
  • The cost of medical care in New York

This coverage can make the difference between stability and financial hardship after an accident.