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Injured by an Uninsured or Underinsured Driver? Your Own Insurance May Still Protect You.

If you were hurt in a car accident and the at-fault driver has no insurance or not enough insurance, you may still be able to recover compensation through your own auto policy—or the policy of a family member in your household. This is known as SUM/UM coverage (Supplemental Uninsured/Underinsured Motorist Coverage), and it’s required on all New York motor vehicle insurance policies.

Unfortunately, many people don’t even know this coverage exists—or how to access it—until it’s too late. That’s where we come in.

We Handle SUM and UM Arbitration — And We Know the System

At Welch, Donlon & Czarples, our experienced personal injury attorneys have handled numerous SUM/UM arbitrations across New York and Pennsylvania. We are highly familiar with the local arbitrators who decide these cases and bring valuable insight into how they evaluate evidence, witness testimony, and injury claims.

These cases require strong documentation and strategy, especially when it comes to:

  • Proving the other driver was uninsured or underinsured;

  • Demonstrating your injuries and losses exceed the other party’s coverage;

  • Navigating arbitration rules and insurance company defenses.

Don’t Miss Your Deadline — Time Limits Apply

Claims under SUM or UM coverage come with strict deadlines, often requiring written notice to your insurer within 30 days of the crash. Missing these deadlines can result in a complete denial of your claim—even if you’re seriously injured.

Call Today for a Free Consultation

📞 607-500-HURT
📧 inbox@wdcinjurylaw.com

If you were hit by a driver with no insurance or too little insurance, contact us right away. We’ll review your auto policy and advise you of your rights—at no cost and with no fee unless we recover money for you.

Welch, Donlon & Czarples — Trusted Advocates in SUM/UM Injury Claims.

Welch, Donlon & Czarples | Supplemental Underinsurance |Uninsured Claims