Understanding Uninsured Motorist Coverage and Under-Insured Motorist Coverage in Connecticut

In Connecticut, as in many states, it is legally required for all vehicle owners to carry a minimum amount of liability insurance. However, not all drivers comply with this law. Some may let their insurance lapse, while others may only carry the minimum required coverage, which may not be adequate to cover all of your expenses in the event of an accident. Fortunately, even if the at-fault driver lacks sufficient insurance, you may still have options available to you through a specific type of coverage known as Uninsured Motorist (UM) and Under-Insured Motorist (UIM) coverage.

What is Uninsured Motorist/Under-Insured Motorist Coverage?

UM/UIM coverage is designed to protect you in situations where the driver responsible for your injuries either does not have insurance or does not have enough insurance to cover the costs of your injuries. This type of insurance can be a financial lifesaver, especially in a state like Connecticut where the number of uninsured drivers can be concerning.

When Does Uninsured Motorist Insurance Cover Me?

Your UM/UIM insurance can come into play under several circumstances:

• The at-fault driver does not have any insurance coverage.
• The at-fault driver has insurance, but it is insufficient to cover your damages.
• The driver responsible for the accident fled the scene and cannot be identified.
• You are involved in an accident while walking or biking, which your car insurance typically wouldn’t cover.

It’s crucial to avoid paying out of pocket for damages when you have insurance that should cover you in these situations. Your insurance provider is there to assist you through these challenging times, ensuring that you receive the care you need.

How Do I Know If I Have UM/UIM Insurance?

Many drivers may not realize that they already have this important coverage. In Connecticut, insurance companies are required to offer uninsured motorist coverage when you purchase a car insurance policy. If you did not explicitly decline this coverage when signing up, there is a good chance that you have it included in your policy. To confirm your coverage, it’s best to contact your insurance agent directly.

Types of UM/UIM Insurance

There are two primary types of uninsured motorist insurance:

1. Reducing or Non-Stacking UM Insurance

This is the traditional form of UM insurance. With this policy, the total amount of your UM coverage is reduced by any insurance the at-fault driver has. For instance, if you have $100,000 in UM coverage and the other driver has $75,000, your UM policy would only cover the remaining $25,000 in damages.

2. Add-On, Excess, or Stacking UM Insurance

This modern form of UM/UIM insurance allows your coverage to be added to any available insurance from the at-fault driver. If the other driver has $75,000 and you have $100,000 in UM coverage, you could potentially cover up to $175,000 in damages. This type of coverage is generally more beneficial than the older reducing model.

If you find the differences between these types of coverage confusing, consulting with a personal injury attorney is highly recommended. They can help you navigate your specific situation and understand your legal options.

Will My Insurance Company Provide a Fair Settlement?

Dealing with insurance claims can be a daunting process. Many insurance companies may prioritize their profits over your well-being, potentially offering settlements that do not adequately reflect the costs of your injuries. If you find yourself in this situation, it is advisable to seek legal representation as soon as possible to ensure you obtain the compensation you deserve.

Contact Etemi Law for Assistance

If you’ve been injured in an accident and need guidance on navigating your insurance options or pursuing a claim, Etemi Law is here to help. Our experienced team understands the intricacies of uninsured motorist coverage and can provide you with the support you need during this challenging time.

For a free consultation, please call us at (203) 409-8424 today. Let us help you understand your rights and get the compensation you deserve.