UM and SUM Coverage: A NYC Rider's Real Backstop Against Uninsured Drivers

UM and SUM Coverage: A NYC Rider's Real Backstop Against Uninsured Drivers

UM and SUM Coverage: A NYC Rider's Real Backstop Against Uninsured DriversMary Ellen O'Connor
Published on: 20/08/2026

New York's minimum liability is only 25/50/10, and the downstate metro is full of uninsured and hit-and-run drivers. Here is why uninsured and supplementary underinsured motorist coverage is the coverage that actually protects a rider.

Rider Life
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New York No-Fault Excludes Motorcycles: The One Fact Every NYC Rider Needs to Know

New York No-Fault Excludes Motorcycles: The One Fact Every NYC Rider Needs to Know

New York No-Fault Excludes Motorcycles: The One Fact Every NYC Rider Needs to KnowMary Ellen O'Connor
Published on: 20/08/2026

New York is a no-fault state, but its no-fault law leaves motorcyclists out. A rider cannot tap PIP for their own medical bills and lost wages the way a car occupant can. Here is what that means and how to protect yourself.

Rider Life
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