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What is SUM insurance coverage

Uninsured / Underinsured motorist coverage (SUM) is important.

Carrying bodily injury liability on your own insurance will not be sufficient coverage should another person be uninsured/underinsured and crashes into you. According to statistics nearly 1 out of 7 vehicles in the United States are uninsured; reasons vary from economic situations to just plain non-payment of the policy.

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How does this affect you? If you're in an accident against someone uninsured / underinsured and you suffer injuries, there would be no policy limits to collect from except your own. If you don't have higher limits than the other driver you may not be compensated for your injuries from a serious accident. This will leave you to deal with pain and suffering from a situation you didn't cause. You can easily avoid this situation.

Carrying the minimum limits (which vary from state to state), will not properly protect you should and accident occur with an uninsured vehicle. Check your policy for uninsured/underinsured motorist coverage (often referred to as UM). Be sure you have sufficient limits to cover your needs. Consider increasing your limits to at least the amount of $300,000 or match this coverage to your current bodily injury liability limits. This limit/coverage is for your protection when someone doesn't have coverage or not enough coverage to compensate you for your injuries. The price difference for this additional coverage is small enough yet provides an invaluable coverage in the event of such an accident.

Contact your agent to review and upgrade your coverage today.