Is Your SUM Coverage Reduced During Winter Storage?

If your motorcycle insurance policy has a winter storage option, certain coverages may be eliminated or reduced such as collision damage, liability and SUM coverage.

SUM coverage is an acronym for Supplementary Uninsured/Underinsured Motorist coverage. This is insurance coverage that pays you when you are negligently injured by someone who fled the scene; has no insurance; or has less insurance than you.

Your insurance company may simply charge an annual rate and factor in a discount because most motorcyclists don’t ride in the winter in NY. However, GEICO has two storage plans called Winter Storage Plan 1 and Winter Storage Plan 2.

A GEICO salesperson told me storage plans are now offered only to military and existing customers who had a storage plan and that information about the plans is no longer on their website. However, I found someone who copied from the GEICO website the following about Storage Plan 1: “We will remove all coverage from your policy with the exception of Comprehensive Coverage.”, while with Winter Storage Plan 2, “All coverage remains on your policy.”

It is vital to know what coverage you have if your motorcycle is in storage. If you eliminate liability coverage, you will also lose your SUM or uninsured/underinsured coverage.

One of our clients says he had $100,000 SUM coverage until his bike was put in storage and it was then reduced to the NYS minimum of $25,000 uninsured coverage with no underinsured coverage.

After his motorcycle was put in storage, a friend asked him to ride the friend’s motorcycle from his house to a garage where it was going to be stored. Unfortunately, while doing a favor, our client was in a motorcycle accident, hit by a car that fled the scene and was never identified.

Our client had serious injuries with a value of approximately $500,000 but his friend’s motorcycle only had $25,000 uninsured coverage. If our client still had $100,000 uninsured coverage on his own insurance policy, he would have obtained $100,000 instead of $25,000.

If you have a winter storage plan on your insurance policy, make sure you understand what coverage remains and what coverage is reduced or eliminated before you ride anyone else’s motorcycle during the winter. It’s just when you don’t expect it, that you’ll have a motorcycle accident

Make sure you increase your SUM coverage in the spring to at least $250,000 or more if your insurance company sells more.

We recommend buying insurance from an independent insurance agent which should eliminate a lot of problems in the event you are in an accident.

See our motorcycle insurance articles and
What Should I Do About My Motorcycle Insurance during the Winter?

comments button

1-800-HURT-911\u00ae As Seen On TV ABC, CBS, NBC, FOX, , WOR, WPIX logos

Get New York Motorcycle Accident Lawyers Rob Plevy, Esq. and Phil Franckel, Esq. at the 1-800-HURT-911® Personal Injury Dream Team™ on your side and become a member of our family!

“I endorse these guys 100% they handled my motorcycle accident very well! And they are genuine human beings.”
—Frank Sundancer Perugi

Please take a look at some of our:

We created the popular motorcycle awareness campaign you know and have seen!

1-800-HURT-911 New York Motorcycle Lawyers created the motorcycle awareness campaign BE AWARE MOTORCYCLES ARE EVERYWHERE®

No Win — No Fee — No Expenses — Guaranteed!
Think you were at fault or other lawyers said you don’t have a case, please call us!

Google Screened 1-800-HURT-911 New York Accident Motorcycle Lawyers

At HURT911® you can speak, text, or email Rob Plevy, Esq. and Phil Franckel, Esq. whenever you need throughout your case and afterward, days/nights/weekends.

Call days/nights/weekends for a free consultation with no obligation.
Call right now! 1-800-HURT-911 | 1-800-487-8911

call button   chat button

Motorcycle Attorney Phil Franckel talks about how motorcycle accidents are different

Philip L. Franckel, Esq. is the author of all articles and content on this website, one of the Personal Injury Dream Team™ Founding Partners at 1-800-HURT-911® New York, well-known for representing motorcyclists. He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and is a former Member of the Board of Directors of the New York State Trial Lawyers Association. Mr. Franckel created the motorcycle awareness campaign BE AWARE MOTORCYCLES ARE EVERYWHERE®.

Founding Partner Rob Plevy, Esq.

New York Motorcycle Accident Lawyer and Founding Partner Rob Plevy, Esq.

New York Motorcycle Accident Lawyer and Founding Partner Rob Plevy, Esq.

Robert Plevy, Esq. is a motorcycle accident lawyer and one of the Personal Injury Dream Team™ Founding Partners at 1-800-HURT-911® New York. Robert began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.

Get the HURT911® Personal Injury Dream Team™ on your side!
Call Attorneys Rob Plevy & Phil Franckel days/nights/weekends for a free consultation