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Connecticut Uninsured or Underinsured Motor Vehicle Coverage

Do you have the right amount of coverage?

Accidents happen. As much as Connecticut drivers try to prevent them, it’s not always possible to avoid them altogether. Taking caution will only go so far when driving, as another's negligent behavior on the road can harm you and your vehicle occupants. In a split second, your life can change. In some cases, your injuries will last for the rest of your life based on someone else's inept driving. It is in your best interest to protect yourself from other motor vehicle operator's careless driving behaviors. Ensure you have the right policy limits to protect your family from insecurity when faced with an accident. To ensure financial security after an accident, properly obtaining underinsured or uninsured motorist coverage to protect you and your family from liability or damages by an at-fault driver's negligence will be in your interest.

How Can I Protect Myself From Someone Else's Negligence?

Start by contacting our Connecticut attorneys today

When involved in a car accident, although unfortunate, insurance provides a coverage of relief when dealing with such misfortunes. Understand that motor vehicle insurance can cover property damage, and in some cases, medical bills will save you from unnecessary stress at a time of uncertainty. Not having any or enough car insurance can result in no recovery of damages to your vehicle. If the at-fault driver has no auto insurance your insurance policy may cover uninsured or underinsured motorists when involved in a car accident. Don't let the damages you suffer from go without compensation. Uninsured motorist insurance is a low fee especially considering a significant amount of Connecticut drivers don't have enough or any auto insurance. Provided you have such coverage, you are entitled to a claim. According to Connecticut State law, liability insurance covers bodily injury to other people and damage to the property of others caused by your negligence or the negligence of someone driving your car with your permission. A minimum of $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability, is required by law, but drivers are strongly urged to consider higher limits. Prior to 2018, these limits were at $20,000 per person and $40,000 per accident for bodily injury.

When Involved in a Connecticut uninsured or underinsured Accident, you are Entitled to The Following

  • Medical expenses related to your injury and for future treatments
  • Lost wages from missing out of work
  • Pain and suffering related to your accident
  • Loss of potential future income
  • Emotional suffering as it relates to your accident

Our attorneys will take all possible actions to find the most appropriate solution to your injury case. By getting in touch with a Connecticut Personal Injury attorney at The Law Offices of James A. Welcome you can rest knowing your case is in the right hands. Don’t let your case settle for anything less than experience and trusted results. Attorney Welcome has successfully taken action against insurance companies and secured tens of millions of dollars for his Connecticut clients.

Know The Basics: Uninsured or Underinsured Motorist Coverage in Connecticut

Connecticut drivers are required to have some form of underinsured or uninsured coverage. Although about 12% of Connecticut vehicles that aren't registered, fail to have any coverage at all. Don’t let someone else's negligence risk your financial security. Such coverage will ensure that your assets remain safe and you have appropriate compensation in the case that the other driver has no insurance or fails to have enough liability coverage to cover your expenses. Depending on the damage to your car and its occupants, medical bills and other associated bills can reach hundreds of thousands if not millions depending on the severity of the accident. Your medical bills shouldn't cause financial insecurity. Our team of lawyers will take all actions necessary to get you the compensation you deserve. The significant bills that accompany accidents in the state of Connecticut should be covered by the relatively small fee to have uninsured or underinsured coverage. Ensure that you ask for more coverage to protect you from misfortunes of an accident. Connecticut state statutes require relatively small amounts of liability coverage, don’t gamble your future with low policy limits. Ask your insurance provider for additional coverage whenever possible.

Is Everyone Covered By The Policy?

Insurance companies are required to offer uninsured and underinsured motorist coverage but in some cases do so unwillingly as it makes insurance companies susceptible to greater financial risk. According to section Sec. 38a-336 off Connecticut state statutes, section 14-112, for the protection of persons insured thereunder who are legally entitled to recover damages because of bodily injury, including death resulting therefrom, from owners or operators of uninsured motor vehicles and underinsured motor vehicles and insured motor vehicles. You may also be unable to obtain auto insurance coverage for uninsured or underinsured drivers if the conditions in the statue aren't met. For more information please visit the following source.

Can I Stack My Uninsured Coverage?

Unfortunately, Connecticut state law does not permit the stacking UM and UIM coverage. Even if three separate vehicles each have their own 25/50 policy limit, you are unable to stack them to reach the policy limit of $75,000 when trying to obtain a settlement.

Accidents are going to happen and whether you try to avoid them or not, having some form of coverage to protect you will be in your benefit. Taking advantage of Connecticut state statutes that protect drivers will keep your worries at minimum when driving on the road. Don't risk your financial assets. Research the benefits of UM and UIM coverage beforehand. You will understand the key benefits of such policies and why you need to have additional coverage.

Contact an Award Winning Connecticut Personal Injury Team Today

Attorney James A. Welcome has decades of experience in protecting drivers who fall injured at the hands of someone else's negligence. Our team of skilled attorneys, paralegals, and assistants will be in constant contact with you, ensuring all your damages are adequately paid for and that your financial security is met. We will take aggressive action on your behalf, rest assured knowing your case is in the right hands. Contact an experienced Connecticut attorney with offices located in Waterbury, Danbury, and Norwalk. If your injury is too severe to travel, we will make all attempts to reach you through video consults or meet you where you feel comfortable. Don't let your case go unheard, justice will be served. Contact us at (203) 753-7300 today!

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