Uninsured/underinsured motorist coverage generally provides benefits to policyholders for bodily injury caused by another driver who left the scene of the accident, has no insurance, or does not have enough insurance to adequately cover your losses. This essential coverage typically ensures that you can still receive compensation for your injuries and damages, even when the at-fault driver is not adequately insured.
Connecticut Insurance Requirements
To obtain and maintain a motor vehicle registration in Connecticut, you must maintain a minimum amount of automobile insurance:
Liability Insurance
Typically, all motorists must have a minimum of $25,000 per person and $50,000 per accident for bodily injury liability, as well as $25,000 per accident for property damage liability. Liability insurance generally covers the injuries and property damage you cause to other people. While these are the standard limits, obtaining more coverage is encouraged, as injuries and damages from an accident often exceed these limits.
Uninsured/Underinsured Motorist Coverage
Connecticut General Statutes typically require motorists to carry uninsured/underinsured motorist coverage that is equal to their liability limits. This uninsured/underinsured motorist coverage generally protects authorized drivers in the event they are injured by another motorist who either has no insurance or does not have the amount of insurance to cover their losses.
The only way a policyholder can have less uninsured/underinsured motorist coverage than their liability coverage is if they request a lesser amount in writing through an informed consent form. However, coverage cannot be less than the minimum requirements of $20,000 per person and $40,000 per accident for bodily injury.
Underinsured Motorist Conversion Insurance
Public Act 09-72 typically requires insurers issuing new automobile policies to inform policyholders of the availability of underinsured motorist conversion coverage, which can be purchased as additional underinsured motorist coverage. This optional coverage will not be reduced by other sources of payment like traditional underinsured motorist coverage.
Who Does Uninsured/Underinsured Motorist Insurance Cover? Uninsured/underinsured motorist coverage generally covers:
- The policyholder who is the named insured
- Relatives and spouses who live with the named insured
- Passengers in the vehicle insured by the policy
Get Help with Your Uninsured/Underinsured Motorist Claim in Connecticut
If you have been injured in an accident with a hit-and-run driver or another motorist who does not have insurance or enough coverage to cover your injuries and losses, our attorneys can typically help you file a claim with your uninsured/underinsured motorist insurance provider.
We will review the details of your insurance policy to determine if there is compensation available to cover the costs of the injuries and other damages you have experienced after an accident. We can explain your coverage as well as any additional legal options that may be available for obtaining the compensation you need.
Contact Vining Law
Contact us today for a free, no-obligation consultation and review of your claim. We do not get paid unless you do.
Disclaimer: This blog is for informational purposes only and should not be construed as legal advice. Consult with a qualified attorney for legal guidance specific to your situation.
