After a serious crash, the other driver's insurance may not be enough, or there may be none at all. Your own policy may help.
Connecticut's Minimum Limits Are Low
Connecticut requires drivers to carry at least $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. A serious injury can cost far more than that in medical bills and lost income.
What the Coverage Does
Uninsured motorist coverage applies when the at-fault driver has no insurance. Underinsured motorist coverage applies when the at-fault driver's limits are too low to cover your losses. Connecticut drivers must carry uninsured and underinsured motorist coverage on their own policies.
Why It Matters
If you were hit by a driver with minimum coverage, your own underinsured motorist coverage may be an important additional source of compensation. The same is true if a hit-and-run driver cannot be found. Your policy limits and how the coverage applies depend on the policy, so read yours or ask us to review it.
Protect Your Claim
Notify your own insurer promptly, keep your medical records, and do not accept a settlement from the other driver's insurer without talking to an attorney. Settling too early can affect your ability to claim from your own policy.
If you were seriously injured, call Jazlowiecki & Jazlowiecki LLC at (860) 589-8000 for a free case evaluation. No fee unless we win. Learn more on our auto accidents page.
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