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Supplemental Uninsured/Underinsured Motorist Coverage

Today, the New York Legislature passed a bill that would heighten protection of motorists and their loved ones in the event they are involved in an accident with an uninsured or underinsured motorist. The supplementary uninsured/underinsured motorist (SUM) bill is identified as S.7787 (Seward) / A.10784 (Morelle). Presently, the mandatory minimum insurance required to be carried by drivers in the State of New York is $25,000.00. Although drivers may purchase additional insurance coverage, they are often unaware of this option. This bill would change the scheme in that it would automatically ensure that the SUM insurance matches the liability limit of the policy unless the motorist is made aware of the additional coverage and specifically chooses to decline it. Next, the bill will reach Governor Cuomo’s desk.