Bloom v. St. Paul Travelers Companies, Inc.

*820The plaintiff Jonathan Bloom purchased a “SCOPE” umbrella policy of insurance issued by the defendants which provided supplemental underinsured motorist (hereinafter SUM) coverage. In 2001 the defendants substituted a “PLUS” umbrella policy, which did not provide SUM coverage, for the “SCOPE” policy. Although the defendants mailed the plaintiffs a document entitled “Summary of Major Coverage Changes,” that document failed to comply with the requirement of Insurance Law § 3425 (d) (3) that the “[njotice of intention to substitute a different policy form shall be accompanied by a full and clear…