New York Personal Injury Lawyer Talks about the Importance of Supplemental Uninsured/Underinsured Motorist Coverage (SUM)

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New York personal injury attorney Kenneth A. Wilhelm announces why it is increasingly critical for drivers in New York to take a closer look at the terms of their auto insurance policies, assess the coverage as well as its full implications.

SUM coverage is the one that protects you and your family if you are injured by a driver who lacks insurance or sufficient coverage to compensate you for your damages.

The New York personal injury law firm has helped numerous victims of car accidents better understand their auto insurance policies in the aftermath of the incident. According to an April 21, 2011 article in The Insurance Journal, one in seven of the nation's drivers is uninsured. About 14 percent of drivers in the United States were uninsured in 2009, the article stated. With the recent economic downturn, this number has likely increased, effectively contributing to a situation where there is an absence of liability insurance to compensate victims injured by at-fault and uninsured drivers.

A September 19, 2012 article in the New York Law Journal outlines the complexities of SUM coverage, highlighted by the case of Kaitlyn Fisher, a 24-year-old woman who was killed in a car accident in which the other driver was underinsured. According to the article, Fisher was insured with Progressive, which paid the liability insurance, but refused to pay Fisher's family their SUM claim because they argued that Fisher was at fault.

According to an article in The New York Times, Kaitlyn Fisher's brother, Matt Fisher, posted a blog on his Tumblr site criticizing Progressive for taking the side of the other driver, who was underinsured and driving on a suspended license, Progressive basically blamed Fisher for the crash based on some eyewitness reports that she may have run the red light and went to the length of having their legal team assist the other driver's lawyer in order to support their arguments for the issue of fault, the report stated. According to the New York Times article, a Maryland jury ruled in favor of the Fishers finding that Kaitlyn Fisher was not at fault for the crash and that her family should be paid the SUM claim in full.

"This case highlights the complexity of supplemental uninsured/underinsured motorist (SUM) claims," says New York car accident lawyer Kenneth A. Wilhelm. "Many drivers are not even aware that they have this type of an insurance, which protects them if they are injured in an accident involving an uninsured or underinsured driver."

Wilhelm states that it would be in the best interests of drivers to have the same amount of SUM coverage as liability coverage. "If you have an auto insurance policy with a liability coverage of $500,000, you should purchase an equal amount of SUM coverage," Wilhelm says. "Liability insurance protects the damages you would owe to others if you cause an accident. SUM coverage is the one that protects you and your family if you are injured by a driver who lacks insurance or sufficient coverage to compensate you for your damages. The cost of SUM is well worth the crucial protection drivers get from having such coverage."

About the Law Offices of Kenneth A. Wilhelm

The Law Offices of Kenneth A. Wilhelm is a personal injury litigation firm with an unwavering dedication to its clients. With more than 40 years of experience, our firm strives to obtain the best compensation for those who have been injured or those who have lost a loved one due to an accident or by someone else's negligence. We handle cases dealing with personal injury, medical malpractice, wrongful death, workers' compensation, dental malpractice, transportation accidents, rape, paralysis, false arrest and many other types of accidents and injuries.

For more information or for a free consultation, please call 1-800-WORK-4-YOU (1-800-967-5496) or visit our website at

The Law Offices of Kenneth A. Wilhelm
445 Park Avenue, 9th Floor
New York, NY 10022
(212) 545-7373


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