Uninsured and Underinsured Motorist Coverage in New York.
Uninsured and Underinsured Motorist Coverage in New York is a requirement on an insurance policy.
This Uninsured and Underinsured Motorist Coverage is for you to use for yourself, when hit by an uninsured driver or underinsured driver. This would be money available to pay for extended hospital stay or excess loss incurred when the other driver is at fault.
Where most insurance companies fail, is to just give every auto owner the bare minimum required – $25,000 per person, $50,000 per accident. When you could buy whatever limit matches you liability limit – like $100,000 per person, $300,000 per accident. And I don’t know why you wouldn’t want to match your limits, when it is coverage for you not other people!
At Larsen Insurance we always match the liability limits to the S.U.M (Supplementary Uninsured (Underinsured) Motorist). In our eyes, they should always be a matching amount to properly provide you with coverage, when needed.
Uninsured and Underinsured Motorist Coverage in New York should ALWAYS match liability.
Your insurance agent isn’t doing his/her job if they do not match. It is simply not giving you the best possible coverage. It is leaving a “gap” in coverage that should be protected.
Maybe the driver that caused this bad accident, rear-ended this auto, wasn’t carrying good coverage. Maybe they had an agent that only sold the bare minimum S.U.M. coverage to satisfy New York State. In this case, your own auto insurance policy is where you’d look to give you added liability coverage.
Don’t be sold inferior coverage when it comes to protecting you & your family.
Insist on Uninsured and Underinsured Motorist Coverage in New York matching your liability limits. Smart drivers do.