What is Underinsured Motorist Coverage? (SUM)

Supplemental Underinsured Motorist (SUM) and Uninsured Motorist coverage are important parts of your insurance policy. These parts give you and your family some coverage, if you suffer any damages in a car accident and the other driver is uninsured.

If the driver who causes your accident is underinsured, this policy can serve as supplemental coverage to help pay for repairs, medical bills and other costs associated with a car accident.

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How Underinsured Motorist Coverage (SUM) Works

Here’s an actual example of how SUM coverage works:

A driver has a minimum liability coverage of $15,000, and you have a $100,000 SUM/UM condition, then the most you could recover is $100,000 – and your SUM/UM condition would cover the additional $85,000 to meet your policy limit of $100,000.

The Barnes Firm’s Best Car Accident Lawyers Are Here To Help

There are many situations in which your SUM/UM coverage could be used, and it is wise to make sure that you are properly covered for these situations.
If you’d like to review your auto insurance policy coverage, or if you have any questions on whether your insurance will cover any injuries or damages, The Barnes Firm has car accident attorneys available to answer your questions 24/7. Contact us today for a FREE consultation.

The Barnes Firm 1-(800) 800-0000


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I was in a car accident and contacted, The Barnes Firm. I was transferred to an attorney right away. The attorney was very pleasant and helpful. He answered all my questions. He set up an appointment that same week. The attorney himself, came over to my home. He went over the paperwork and explained the procedure very thoroughly. The attorney’s paralegal contacted me right away. The office has been in touch with me and genuinely concerned about my injuries. This firm was on top of my case. I highly recommend them. Please call The Barnes Firm.

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