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Buying an Add-on for Underinsurance Motorist in Your Insurance Policy

New York auto insurance laws let you get through with the liability and the security damage of your motor vehicles in worst case scenarios. Under insurance motorist coverage provides you with the increase level of protection by its policy of paying coverage in cases with uninsured or under insured motorist hitting you. The claims can be raised when legal requirements are met. This policy does not provide with full compensation rather it provides amount according to the liability coverage of your insurance policy. This adds on was enacted to allow the insured party with the protection for them and their passengers at the time of accident. It is not obligatory to purchase this policy along with the insurance, but it is advised to buy this in order to protect you.

It can compensate bodily injuries up to the amount of SUM coverage purchased. The policy holder gets payment for the injuries sustained as a result of negligence of other under insured motorist or owner. Not only the insured gets the benefit of this add on policy but anyone named in this endorsement can be privileged to include relatives (resident of the state or not), and spouse. The court has summed the requirement for being able to get the benefits as that of policy holder.


Under the law, the insurance company must offer the following benefits to the person purchasing this add on:

1.            Liability insurance policy with limits up to $250,000 per person linked with the accident.

2.            Motor vehicle liability insurance policy combined limit of $500,000 per accident. There are no minimum limits, insurance agents have a law through which they provide the client with coverage limit and also inform client in case of inability.

The insurance company issue SUM coverage either by including under insured motorists as uninsured motorists or by separate endorsements for both. In the former scenario, the person can purchase under insured coverage by purchasing uninsured coverage. It’s an issue in New York regarding SUM coverage, whether the person should purchase such coverage or not. When taken independently, they are considered as separate form of coverage. Not much litigation has ensued regarding this issue. It is therefore legislated that the vehicles that are claimed as under insured should be compared with the under insured motorist coverage and should not be compared to other vehicles. Regulation 35-D allows person to claim for SUM coverage as long as at least one of the insured vehicle has its policy limits. Vehicles that do not have the insurance policy are not legally liable for coverage and the person will not have liability for bodily injuries.

Different clauses of the law enable you to overcome the damage in case of an accident. On the internet, almost every auto insurance company in New York has maintained a virtual home to get to the residents of New York with their policies and packages. Enter the ZIP at the top of the website and get free quotes.