Uninsured and Underinsured Motorist Claims

Uninsured (UM) and Supplemental Uninsured Motorist (SUM) Claims

Often, drivers responsible for car, truck, motorcycle and other vehicle accidents either have no insurance or insufficient insurance to cover the damage they cause.

If you are involved in a personal injury accident (an accident caused by someone else’s negligence or reckless behavior), seeking legal help at the outset is crucial to the successful outcome of your case.

When you look to the Long Island personal injury law firm of Rosenberg & Gluck, LLP, to help you recover damages in a car, truck, motorcycle or other motor vehicle accident, our lawyers investigate all possible sources of recovery. If the defendant in your case does not have adequate auto insurance to cover damages, you may be able to obtain compensation under the Uninsured Motorist and/or Supplemental Uninsured Motorist provisions of your own insurance policy.

What is Uninsured Motorist Coverage?

Uninsured Motorists (UM) Coverage – In New York, UM coverage is mandatory, when you purchase an auto insurance policy. UM coverage provides compensation for bodily injuries that you, your family or occupants of your vehicle may suffer, if you are involved in an accident with a hit and run driver or an uninsured motorist whose negligence causes damages. An important caveat is that New York uninsured motorist coverage will only protect you in accidents that occur within the state.

A common misconception about uninsured motorist coverage is the assumption that it only protects you and your family when you are involved in a motor vehicle accident. The fact is, whether you are walking down the street, are riding in someone else’s vehicle, standing in a parking lot or waiting for a bus, if an uninsured motorist is legally responsible for harming you, your UM policy provides coverage for your injuries in a New York accident.

When is a Driver Considered Uninsured?

An uninsured driver is one who:

• Has no insurance
• Has insurance that does not meet state-mandated minimum liability requirements
• Has an auto policy, but their insurance company denied their claim
• Was not financially able to personally pay for damages

Supplementary Uninsured/Underinsured Motorists (SUM) Coverage

Although Supplementary Uninsured/Underinsured Motorists (SUM) coverage is not required in New York, you may purchase it to extend your basic uninsured motorist coverage to provide protection for out-of-state accidents.

What We Do

The experienced lawyers at Rosenberg & Gluck on Long Island represent clients throughout Long Island in a wide range of car accident injury claims, such as:

• Soft tissue injuries
• Bone fractures
• Brain injury
• Spinal cord injury
• Back and neck injuries
• Paralysis
• Death

As with all personal injury lawsuits, when you seek our legal help, we investigate all possible alternative sources of damage recovery. In car collisions or other motor vehicle accidents, uninsured motorist and supplemental uninsured coverage may be options to meet expenses for your injuries.

Our Suffolk County attorneys at have been handling uninsured and underinsured claims since 1982. You can count on our know-how and in depth knowledge of New York law, when you need expert legal advice and guidance. We will gladly address your concerns and answer your questions about insurance coverage, exclusions, statutes of limitations, coverage stacking, offsets and reimbursements.

Contact Us to Arrange a Free Consultation

When someone’s negligent actions cause serious injuries, legal help is only a phone call away. Our attorneys are available 24/7. To arrange a no cost, no obligation consultation, contact our law firm at (631) 451-7900 or toll free at (888) 545-2993.

No Recovery, No Fee  - Expenses payable by client at conclusion of recovery