It’s something most people don’t think about until it’s too late. You get into an accident and exchange information, only to find out the other driver has no insurance. Or maybe it’s a hit-and-run, and the other driver disappears. In situations like these, uninsured or underinsured (UM/UIM) motorist coverage can make all the difference. This type of coverage steps in when the person who caused your injuries either doesn’t have insurance or doesn’t have enough to cover the full extent of the damage. UM coverage is required in New York, but only up to the minimum liability limits. Additional supplemental uninsured/ underinsured (SUM) coverage is optional but can provide vital protection. We talk a lot about worst-case scenarios in personal injury law, but this happens more often than you’d think. A recent case we handled involved a pedestrian struck by a moped that fled the scene. Thankfully, our client was covered by an auto policy that included SUM coverage, which gave us a path to recovery even when the other party couldn’t be found. That’s the kind of safety net you want before anything happens. This type of coverage can also apply in other surprising situations. It can come into play if you’re injured as a passenger in someone else’s car or even while walking or biking, depending on the circumstances. So, if you’re unsure what your current coverage looks like, it’s worth taking a few minutes to review your policy or talk to your insurance provider. A relatively small premium increase could offer a lot more peace of mind. And if you’re already dealing with a situation involving an uninsured driver, don’t try to figure it out on your own. We’re here to help. Contact our office to speak with someone who understands the system and can walk you through your options. WHY UM/UIM MATTERS IN NEW YORK Hidden Coverage That Saves the Day
There’s something special about getting outdoors and hiking this time of year. The air is crisp, the bugs are (mostly) gone, and the trees show off their fiery red, yellow, and orange leaves. Whether you’re a seasoned trekker or just looking to enjoy leaf- peeping and fresh air, fall is the ultimate season to hit the trails. And the U.S. is brimming with stunning places to do just that. ASPEN, COLORADO Come September, the mountainsides come alive with beautiful golden aspen leaves, hence the name! Hikes like the Cathedral Lake Trail or Maroon Bells Scenic Loop offer beautiful views of alpine lakes with gorgeous foliage and snow-dusted peaks. Just be sure to bring layers — mountain weather can be moody! ACADIA NATIONAL PARK, MAINE If you want coastal charm mixed with fall colors, Acadia National Park delivers. Right along Maine’s gorgeous coastline, this park is full of color and stunning ocean views — a rare combination! GREAT SMOKY MOUNTAINS, TENNESSEE AND NORTH CAROLINA The Smoky Mountains are a fall favorite known for their endless ridgelines and misty valleys. Mid-to-late October is peak foliage season, especially along trails like Alum Cave or Clingmans Dome. COLUMBIA RIVER GORGE, OREGON If you’re looking for some of the most gorgeous waterfalls you’ve ever seen, the Columbia River Gorge is the spot! Trails like Multnomah Falls or Eagle Creek offer pretty fall colors, mossy cliffs, and cascading waterfalls. SHENANDOAH NATIONAL PARK, VIRGINIA Just a short drive from Washington, D.C., Shenandoah National Park is a hidden gem for fall hiking. The Dark Hollow Falls Trail offers a challenging climb with stunning views of the Blue Ridge Mountains. For something gentler, the Stony Man Trail is perfect for families and still offers breathtaking scenery. With over 500 miles of trails, Shenandoah is a fall favorite on the East Coast. The Ultimate Fall Hiking Bucket List Leaf Lovers Welcome
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