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

Rick Nicotra

Published on: 20/08/2026

New York's minimum liability is only 25/50/10, and Western New York winters put plenty of uninsured and hit-and-run drivers on the road. Here is why uninsured and supplementary underinsured motorist coverage is the coverage that actually protects a r

Buffalo Rider Law & Life

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

Rick Nicotra

Published on: 20/08/2026

New York is a no-fault state, but its no-fault law leaves motorcyclists out. A Western New York 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.

Buffalo Rider Law & Life