Some motorists may only carry minimum liability coverage, which is not always enough in an accident. Supplemental uninsured/underinsured motorist (SUM) coverage provides extra protection that will pay your losses. Insurance companies are required to offer SUM coverage, and if your policy includes it, you can file a claim with your own insurance company to receive compensation beyond the other driver's limits after an accident. If you have a New York auto insurance policy acquired after June 18, 2018, it automatically includes SUM coverage-- equal to your bodily injury liability coverage limits unless you specifically opted out of it.