Long Island Law Firm Warns Drivers About Minimum Insurance Policies

Sullivan and Sullivan LLP urges New Yorkers to check their SUM coverage to protect themselves in case of an accident.

Apr. 7, 2026 at 10:22pm

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A highly stylized, repeating pattern of a car insurance card rendered in a vibrant, pop art silkscreen style, conceptually representing the importance of reviewing one's policy details.A bold visual metaphor for the need to closely examine one's auto insurance coverage to ensure adequate protection.NYC Today

The third-generation personal injury law firm Sullivan and Sullivan LLP, based on Long Island, is warning New York drivers that minimum insurance policies often leave seriously injured victims with little to no compensation. The firm, with over 50 years of combined experience, is advising residents to review their supplementary uninsured/underinsured motorist (SUM) coverage to ensure they are adequately protected in the event of an accident.

Why it matters

Many drivers in New York only carry the minimum required insurance coverage, which can leave victims of serious accidents with little financial recourse if the at-fault driver has insufficient insurance. Sullivan and Sullivan LLP is aiming to educate the public about the importance of having proper SUM coverage to protect themselves and their families.

The details

According to the firm, around 60% of the time, the driver who caused an accident only has the minimum policy required in New York state. This can leave victims with catastrophic injuries facing significant financial hardship to cover medical bills, lost wages, and other expenses. Sullivan and Sullivan is urging New Yorkers to review their SUM coverage to ensure they are adequately protected.

  • Sullivan and Sullivan LLP has over 50 years of combined experience in personal injury law.

The players

Sullivan and Sullivan LLP

A third-generation personal injury law firm based on Long Island that specializes in representing clients in the New York City metropolitan area.

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The takeaway

This warning from Sullivan and Sullivan LLP highlights the importance for New York drivers to carefully review their insurance coverage, especially their SUM policies, to ensure they are protected in the event of an accident with an underinsured driver. Taking the time to understand one's policy can help avoid significant financial hardship down the line.