What Happens When You Are Hit by an Uninsured Driver in CT?

Posted on 04/21/23

Hit by Uninsured Driver in CT | The Law Offices of James A. Welcome

Being in a car accident comes with major consequences. You or others may obtain serious personal injuries, your car could sustain damage, and more. Trying to figure out how to pay for any damages can be a daunting task. Theoretically, the at-fault party’s insurance should pay for any damage. In practice, this may not always be the case.

While Connecticut requires all drivers to have insurance coverage, not everyone obeys the law. Certain drivers may not have any coverage. In other circumstances, they may have insurance, but not enough to pay for the damages.

Uninsured motorist coverage helps Connecticut drivers protect themselves. Learn more about uninsured motorist coverage in Connecticut and how a lawyer can help with your insurance claim.

Connecticut Auto Insurance Coverage Requirements

According to Connecticut law, all drivers should have a certain amount of coverage. Specifically, the law requires policies to have certain liability limits to protect yourself or others financially. These limits are:

  • $25,000 per person
  • $50,000 per accident
  • $25,000 for property damage liability

In addition to the above, drivers need to have uninsured motorist coverage in Connecticut. Requiring this coverage primarily benefits the individual driver, since it can protect you from financial ramifications in the event you or your car is hit by someone who doesn’t have car insurance.

What Is Uninsured Motorist Coverage?

Uninsured/underinsured motorist coverage helps protect individuals financially. If you are in a car accident with a driver that doesn’t have insurance—or doesn’t have enough coverage—then your insurance will need to pay for any damages, even if you weren’t at fault. Uninsured motorist coverage pays for what another individual’s policy doesn’t cover.

This insurance will cover things such as medical bills and damage to your vehicle. In addition, it can pay for pain and suffering, though there are some caveats. You will need to prove that the at-fault party’s insurance has already paid everything it can. In addition, you will also need to justify the amount you’re requesting to your insurance company.

While your policy primarily protects you—the policyholder—it can also extend to other individuals, primarily relatives who live with you and others in the vehicle. This means that your child or spouse will have coverage if they’re in an accident.

Your uninsured motorist coverage generally will have the same liability limits as the rest of your policy. While you can get coverage with lower limits, this requires a written consent form.

What Is Uninsured Conversion Motorist Coverage?

Adding uninsured conversion motorist coverage can add an additional layer of protection to your insurance policy. Essentially, this coverage pays for additional damage that isn’t normally covered under other policies.

Both your underinsured motorist coverage and the at-fault driver’s coverage may not pay for all the damages. Uninsured conversion motorist coverage pays for what remains. This way, you can worry less about paying expensive bills.

Get Help with Your Insurance Claim

Sometimes, you’re in an accident with someone who doesn’t have enough insurance coverage. Other times, you might be the victim of a hit and run, which would prevent you from getting insurance information at all. Uninsured motorist coverage protects Connecticut drivers, covering against potential financial consequences.

Do you need assistance filing your claim? Did your claim get denied, and do you need representation? Then call the Law Offices of James A. Welcome. We have over 18 years of car accident claim experience and can provide you with advice and guidance. Call 203-753-7300 to request your free consultation.