Practice Area
Uninsured & Underinsured Motorist Claims
When the at-fault driver has no insurance — or not enough insurance to cover the claim — your own auto policy may provide additional coverage. We review the available insurance and pursue all applicable sources of recovery.
Uninsured Motorist Coverage
Uninsured motorist coverage can apply when the driver responsible for a crash has no insurance at all, or in some circumstances where the driver cannot be identified, such as a hit-and-run.
Underinsured Motorist Coverage
Underinsured motorist coverage can apply when the at-fault driver does have insurance, but not enough to cover the injuries. Minimum policy limits are often far below what a serious injury actually costs.
Why Your Own Policy May Matter
In both situations, the coverage comes from the injured person’s own automobile policy rather than the at-fault driver’s. That can feel counter-intuitive, because it means the claim is made with your own insurance company.
Whether this coverage applies, and how much is available, depends on the terms of the policy and the circumstances of the crash. Reviewing the policy is what answers that question.
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Free case evaluation
Talk to an attorney about your uninsured or underinsured motorist claim.
Three questions is enough to start. No one can put a number on a claim before the file has been looked at — but the first advice you get after an injury shapes everything that follows, so it is worth getting it early.
- 01No fee unless the firm recovers for you. No retainer, no hourly bills.
- 02Direct attorney involvement from the first call — not a case manager.
- 03Spanish-language intake available. Se habla español.
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Connecticut Deadlines Are Strict
The earlier we get involved, the more we can protect.
Personal injury claims have deadlines, and important evidence can disappear long before those deadlines arrive. Early investigation gives us a better opportunity to preserve evidence, speak with witnesses, and protect your claim before the insurance company shapes the narrative.
- Witnesses Forget. Memories fade, witnesses move, and people become harder to reach as time passes.
- Video Can Disappear. Surveillance, traffic-camera, dash-cam, and other digital evidence may be deleted or overwritten if it is not preserved quickly.
- Early Statements Matter. What you say to an insurance company early in the claim can affect how it evaluates the case later.
- Medical Documentation Matters. Delays or significant gaps in treatment may become issues the insurance company raises when evaluating your injuries.