Summary of SUM & OBEL coverage in NY

Below is a summary of SUM and OBEL coverage in NY, please note ONLY your policy provides you with a complete description of the coverages and their limitations.


Under New York State Law, you are required to have Statutory Uninsured Motorists coverage at a minimum limit of $25,000 per person/$50,000 per accident Bodily Injury which does not result in death; $50,000 per person/$100,000 per accident Bodily Injury which does result in death. The same limits must apply to all the autos on your policy. Statutory Uninsured Motorists coverage provides Bodily Injury protection for you, or any covered person, injured in an accident in the state of New York with a driver who either had no liability insurance, or has failed to post a bond and that driver is legally liable for the resulting damages.


SUM Coverage provides increased Uninsured/Underinsured Motorist Coverage. By purchasing SUM Coverage, you and any covered person under the policy can be protected for Bodily Injury up to the limit of SUM Coverage purchased. You can also receive from your own insurer payment for bodily injury sustained due to the negligence of the other motor vehicle’s owner or operator. This coverage also provides you and any covered person with Bodily Injury protection if involved in an accident with a driver whose Bodily Injury Liability limits are less than the Bodily Injury Liability Limits you have selected.
Courts in many states have held that these coverages are valuable coverages which are available for a relatively modest premium. Statutory Uninsured Motorist Coverage will be afforded to you. You have the option to select Supplementary Uninsured/Underinsured Motorist coverage, which includes Statutory Uninsured Motorist Coverage. Please notify us if you would like to purchase SUM coverage with higher limits.


In addition to Basic No-Fault Coverage, you may also purchase OBEL coverage that will pay certain expenses, up to $25,000, above the Basic No-Fault limit of $50,000. If you purchase OBEL coverage and if it appears likely that a claimant will use up the Basic No-Fault coverage, your insurer will send the claimant a form for the claimant to choose what expenses the$25,000 in
OBEL coverage will be used to pay. Under No-Fault, a claimant could include you, family members, passengers in your car, or pedestrians, if injured in an auto accident.The claimant will be able to choose one of the following four OBEL options and thereby direct the insurer to pay expenses for:
1. basic economic loss, whether health care expenses, loss of earnings from work, or other reasonable and necessary expenses;
2. loss of earnings from work;
3. psychiatric, physical or occupational therapy and rehabilitation; or
4. a combination of options 2 and 3.

Please notify us if you would like to purchase OBEL coverage.

If you have any questions, please contact us.

Date modified: 2018-02-01