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Uninsured/Underinsured Motorist In New York, motorists are required to carry either Uninsured Motorists Coverage or Supplementary Uninsured/Underinsured Motorists (SUM) coverage with their car insurance policies. “Uninsured Motorists” (UM) coverage pays a policyholder and his passengers for damages the policyholder is legally entitled to recover from the owner or driver of an uninsured/underinsured vehicle because of …
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