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Thursday, March 07, 2019

How to check that you have the right type of insurance

Car Insurance Coverage
Every auto policy with Liability Coverage includes protection at minimum bodily injury limits of $25,000 per person/$50,000 per accident for you and your passengers in the event of bodily injury sustained in an accident in the State of New York for which an unidentified or uninsured driver (i.e., stolen car, hit and run, policy cancelled) is legally liable. As additional protection, Supplementary Uninsured/Underinsured Motorists (SUM) Coverage is available. It provides protection for both in- state and out-of-state accidents.
SUM coverage may be carried with limits up to the bodily injury limits you have chosen. Below is a list of the limits that are typically available.
SUM Coverage Limits
Per Person/Per Accident
  • $ 25,000/$ 50,000- Not recommended.
  • $ 50,000/$100,000- Not recommended.
  • $100,000/$300,000- The least you should have.
  • $250,000/$500,000- Strongly recommended.

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