Your auto bodily injury liability protects you when you are liable for the injury or death of others due to an automobile accident, including legal and court costs. Your property damage liability pays to repair or replace another person’s property when you are responsible for the damage because of an auto accident. What happens when a driver hits you and causes you bodily injury and doesn’t have any insurance or not enough insurance to cover what your injuries are valued at? What happens if you are hit by a hit and run driver? You can purchase higher limits of supplementary uninsured motorist coverage, also referred to as SUM coverage. This is a coverage that is on your own policy and it protects you if someone that hits you does not have enough coverage or has no coverage at all. This is only for bodily injury. Property damage is not covered under SUM coverage. There are several options available and the cost to increase is very affordable. We recommend that your SUM coverage be the same limit as your bodily injury limit. Can you really rely on a stranger to be carrying enough coverage in case they hurt you in an auto accident? You have the option of protecting yourself on your own auto policy, so why not contact us today to discuss?
Robert J. Los Insurance Agency can help you find the right coverage so you can keep yourself protected. We are a family owned independent agency in Hamburg, New York with the advanced technology and experience to give you the quality of service you deserve. We work with multiple agencies so you have more options for your insurance plan. Contact us today for more information.