In a motor vehicle accident case involving personal injuries, whether or not supplementary uninsured motorists (SUM) coverage is available can be the difference between a fair recovery and a very limited one.

The SUM endorsement of an insurance policy allows the purchaser to set his or her own level of financial protection, over and above the policy limits that the defendant driver may carry in his policy.

SUM coverage can be invaluable if you are involved in an automobile accident where the other driver carries a very limited policy. SUM coverage provides financial protection that can help cover pain and suffering as well as economic loss as a result of a motor vehicle accident.

If you do not have SUM coverage, it is highly recommended that you discuss this endorsement with your insurance agent.