COVID-19 Update -
Consultations Available Via Phone and Video Conferencing

Accident and Injury Lawyer Blog:

Welcome to my personal blog. Feel free to read through each article then post a comment or share your ideas with others.

Stuart Kerner

Does Your New York Auto Insurance Adequately Protect You & Your Family?

personal injury claim Bronx, car accident claim in new york city, personal injury compensation lawyer new York city, auto accident attorneys in westchesterMost people know that automobile insurance coverage provides protection if you’re involved in an accident and need to recover for property damage, or that it protects you against liability if you’re ever sued. However, there is a very important part of your insurance coverage that most people do not know about. In fact, many insurance agents do not properly advise their clients on this coverage. It is called Supplementary Uninsured and/or Underinsured Coverage, also known as SUM coverage in the insurance industry.

SUM coverage protects the driver and occupants in your motor vehicle. If you have a car accident claim in New York, SUM insurance permits you to recover for personal injuries even if the other vehicle that caused an accident did not have any insurance coverage. It also allows you to recover additional monetary damages if your SUM coverage is higher than the other vehicle’s coverage.

For example: If you have SUM coverage of $100,000.00 and the vehicle that hit you in the rear has liability coverage of only $25,000.00, you can collect the $25,000.00 policy limits from the responsible vehicle and then file a claim for an additional $75,000.00 from your own insurance company, for a combined recovery of $100,000.00. Of course this all depends upon the seriousness of your injuries and other aspects of your case.

If you’d like  a Free Evaluation of Your Insurance Policy or more information on this topic, give my office a call toll-free at (866) 293-1616. I will be happy to discuss this matter with you over the phone or in my office. Let’s make sure you have the right automobile insurance coverage that protects you and your family.

You may enjoy reading this other article about Car Accident: (published just before this one): Bronx Injury Lawyers Launch New Website.

You may enjoy reading this other article about Car Accident: (published just after this one): What Exactly Can You Get Compensated for in a Personal Injury Claim?.


Tell us about your case

* All Fields Are Required


“I am very happy how Mr. Kerner worked on my case. He always called me and kept me up to date. After another attorney dropped my case, Mr. Kerner took me on as a client and was able to get me a good settlement.”

– Testimonial of “Raymond P”

“Thank you to Mr. Stuart for his services. When no other lawyer wanted to take my case he did. He was very professional and I am very happy with the results he got me. I also want to thank him for treating me like family and not just a client.”

– Testimonial of “Julio P.”

“Stuart Kerner has been my lawyer since 1994. I have had several accident cases with him and he has always done well for me. I think of him like a friend and not just my attorney. I have referred many people to Stu and they all have been very satisfied.”

– Testimonial of “Ken D.”

“I am very happy with my attorney, Mr. Kerner. He got me a very good settlement. I recommend him to everyone who has had an accident and needs a good attorney.”

– Testimonial of “Johanna N.”

“The Law offices of Stuart Kerner has treated me like family. They dedicated a lot of time to help me and were very successful in the outcome of my accident case. I highly recommend attorney Stu Kerner to all clients.”

– Testimonial of “Jose D.”

Free Resources


Order one of our FREE, self-help resources and become better informed of your legal rights after an accident.

Click Here

Affiliations & Awards

  • Bronx Country bar Association
  • Lawyers of Distinction

The information provided is meant as a general source of information only and should not be substituted for sound legal advice. We are not be liable for any errors or delays in the content or for any actions taken in reliance thereon.
(*) Prior results do not guarantee a future similar outcome.