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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
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Combination of legal expertise with a compassionate approach
“If you are in search of a lawyer who combines legal expertise with a compassionate approach to client care, look no further than Daniel Flanzig and his team at Flanzig and Flanzig. From start to ...”
Runa R. -
Supported me since DAY ONE of my 2.5 year journey!
“Daniel Flanzig was with me on DAY ONE of my 2.5 year journey through the fractured legal system following a serious bicycle accident which left me with two broken wrists. The thirteen day hospital ...”
Marty Keiser -
Helped me through a difficult time with great results!
“I recently suffered a grievous injury being struck by a drunk driver while cycling, when dealing with short-term disability, hospital bills, and all manner of associated paperwork I received care and ...”
Brandon W.
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Leaders in the Safe Streets Movement
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Top-Rated New York Attorneys
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