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Collecting Money in Your CT Accident Case When The At Fault Driver Has Little or No Insurance

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

Imagine if someone in your family were seriously injured in a motor vehicle accident or suffered a wrongful death, and the responsible driver was un-insurance or had minimum limits of insurance coverage. The fact that your loved one was seriously injured would be devastating. Finding out that there is little or no insurance to properly compensate that person for their injuries would be catastrophic.

In Connecticut, drivers are only required to carry minimum limits of motor vehicle liability insurance coverage of $20,000 per injured party in each accident up to a total of $40,000 for all injured parties in the same accident.

In this present economy where people are always looking for ways to save money, people when they obtain motor vehicle insurance, generally look no further than what the premium will be in order to determine what type of liability coverage to buy. Therefore, a great number of people purchase the minimum limits of liability coverage. Even worse is the fact that many people choose to operate a motor vehicle without any insurance coverage at all.

So how can you can protect yourself and your family, if you’re involved in an accident who where you are seriously injured, and the other driver who caused the accident, either doesn’t have any insurance or who has insufficient liability coverage to compensate you adequately for your injuries? You can purchase, as part of your own insurance coverage, uninsured /underinsured motorist protection on your own motor vehicle insurance policy.

This type of insurance coverage called uninsured or underinsurance—UM/UIM, as it is frequently called—pays for injuries to you, your passengers, and family members who are injured by another driver who is at fault but who doesn’t carry any liability coverage (an uninsured motorist, or UM) or doesn’t have sufficient insurance coverage to pay for all of your losses (an underinsured motorist, or UIM).

This relatively inexpensive insurance coverage is like buying insurance coverage on all other drivers on the road. You should immediately speak with your insurance agent about greatly increasing your UM/UIM insurance coverage.

There are two basic types of UM/UIM coverage: straight coverage and conversion coverage. Straight UM/UIM coverage allows you to access this coverage only if your UIM coverage is greater than the insurance coverage carried by the at-fault driver. Conversion coverage allows you to access your UIM coverage regardless of the at-fault driver’s insurance coverage. It is strongly recommended that you purchase high limits of conversion UM/UIM insurance.

We strongly recommend that you carry at least $500,000 of UM/ UIM conversion coverage, if not more. You should have UM/UIM limits equal to your liability insurance coverage, and you should never reduce your UM/UIM limits below your liability limits. Again, you may be surprised to learn how little this additional coverage will cost you.

You should also obtain an umbrella or excess liability policy of at least $1,000,000, if not more.

It is important that you speak with your insurance agent as soon as possible so you can review and increase your coverage so that you and your family are properly protected. A serious accident and life altering injuries affect your physical, mental and emotional health but could also bankrupt and/or ruin you financially. Make sure you take the needed steps to safeguard your family’s financial health.

Our firm has decades of experience in representing seriously injured parties and their families and have a great deal of experience in handling underinsured and un-insured motorist cases. Contact us today to a FREE consultation. We will even provide you with our FREE book at no obligation. Call us at 888.842.8466 or visit us at www.hcwlaw.com.

How is Liability Decided & What Money Damages are Awarded in Norwalk, CT Car Accident

Bridgeport, Norwalk, Danbury, Ridgefield, Stamford, Connecticut

Your Norwalk, Connecticut car accident case can completely overwhelm you. When will you feel better? How are your bills going to be paid?
What doctors should you see? What do you tell them? What should you do? What should you not do? Have you done anything to harm
your case? How will this case be investigated? What are the steps that must be taken and in what order? Contact us today so we can
get you a FREE copy of our book “The Crash Course On Personal Injury Claims
in Connecticut” so you can get all of your questions answered.


How does a jury decide on liability in any given case and what money
damages are to be awarded for past medical bills, future medical care, loss
of income, pain and suffering, and loss of consortium? The answer is they
are charged or instructed by the judge as to how they should apply the law
to the facts that they have found to be proven. For example, once such charge related to
punitive damages could be:


In addition to seeking compensatory damages, the plaintiff seeks an award of
punitive damages. Punitive damages are damages awarded not to compensate
the plaintiff for any injury or losses but to punish the defendant for
outrageous conduct and to deter (him/her) and others like (him/her) from
similar conduct in the future. Punitive damages may be awarded for conduct
that is outrageous, because of the defendant’s reckless indifference to the
rights of others or an intentional and wanton violation of those rights.
You may award punitive damages only if you unanimously find, from facts
established by a preponderance of the evidence, that the conduct of the
defendant was, in fact, outrageous.
The law does not require you to award punitive damages. It is, instead, a
matter for your sound discretion. An award of punitive damages must not
reflect bias, prejudice or sympathy with respect to any party. It must
instead be fairly based on the evidence in the case.
There is no exact standard for fixing the amount of punitive damages. The
amount awarded, if any, should be the amount you unanimously find necessary
for achieving the objectives of punitive damages that I have described. You
should consider the degree of reprehensibility of the defendant’s misconduct
and the actual or potential harm suffered by the plaintiff.


Once you are injured in a Norwalk, CT  motor vehicle accident case, it is important that
you get accurate and prompt legal advice. You need answers to your important
questions so you take the necessary steps to develop your case. Injured
parties call us with many legal questions and accident related issues, which
is why we wrote the book “The Crash Course on Personal Injury Claims in
Connecticut”. Contact us today at www.hcwlaw.com or call us toll free at
(888) 842-8466 to get a FREE copy of our book. You have questions, we have
the answers. Do not speak to anyone from the insurance company, do not hire
an attorney and do not sign any papers until you read our free book. Don’t
delay. Get the information you need today.