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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"This is an outstanding law firm."The dedication shown to each and every case and client is unmatched. They successfully litigated a very complex injury case for me involving multiple defendants and an intricate set of facts.- Daniel M.
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"A Group of True Professionals"Flanzig & Flanzig are a group of true professionals. The whole team works for their clients. Open lines of communication, quick responses, and thorough followups. I'm very happy with my choice in Flanzig and Flanzig.- Conan C.
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"Supported every step of the way."They handled everything with professionalism and care—communicating regularly, dealing with the insurance companies, and ultimately securing a settlement that truly reflected the pain and challenges I went through.- Danielle A.
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"Dan and his team were supremely helpful."Dan took time to help explain the process and answer any questions I had while he was working on my case. I was very satisfied with his work and my settlement.- Max B.
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"They know what they're doing!"They were an amazing team. Highly communicative, clear, intelligent, and able to get me results. They know what they're doing! Highly recommend.- Isabel M.
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"From the first time I spoke with Daniel, I trusted him."I can't recommend Flanzig & Flanzig enough to anyone who has had a bike accident and needs legal assistance, you will definitely have peace of mind and feel taken care of.- N.B.
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"Their expertise is top-flight."Their expertise is top-flight, and the dedication shown to each and every case and client is unmatched. Highly recommended.- Daniel M.
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"It is obvious they are passionate about their work and care about their clients."Flanzig & Flanzig team are some of the most experienced and knowledgeable professionals you can find. I highly recommend working with them.- Addie M.
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
