As Connecticut car accident attorneys, we see far too many situations where we are contacted by the family of someone who was seriously injured in a car accident and in the hospital. Their condition may require surgery and a transfer to a rehabilitative care facility which does not allow them to work for a significant period of time. Depending on the injury, they are required to seek medical care from multiple doctors and undergo an extended period of convalescence. This is extremely difficult for the individual. There is also a possibility that he/she may be permanently injured which will affect them for the rest of their lives. This involves having significant past and future medical bills and lost income. The liability in this case is clear that the other party caused their accident. The injured party's case could be worth hundreds or thousands of dollars. So what is the big mistake that could literally end up costing you hundreds of thousands of dollars after you have been injured in a Connecticut car accident?
The answer is not having enough car insurance coverage. It is extremely important that you review your car insurance policy. One of the most important types of protection that you can have is uninsured and underinsured motorist coverage. This type of coverage, which is mandatory in the State of Connecticut, will compensate you for injuries and damages (up to your stated limits of liability) which you sustain, as a result of the fault of another, where the other party either does not have any insurance (UM) or does not have enough insurance (UIM). This is similar to buying a motor vehicle insurance coverage for every other driver on the road. You might be surprised to learn how inexpensive UM/UIM insurance is to purchase so you should look into this immediately and make the needed corrections.
It is suggested that you have at least $300,000 or more of conversion coverage for UM/UIM. Additionally, you should purchase an excess liability or umbrella policy for at least $1 million and confirm that it provides for further UM/UIM coverage of those same limits. We have met with many injured parties who sustained significant injuries after they were involved in a car accident in Connecticut. Their medical bills are astronomical and their injuries are horrific. The person that caused their accident has little or no insurance and no assets to go after. The injured party has UM/UIM limits that are not sufficient enough to cover their injuries and damages. Truthfully, this injured party may have to endure lifelong challenges without receiving just, proper, and reasonable compensation.
Do not wait until you have been involved in an accident to find out what your UM/UIM limits are. Contact your insurance agent today for a detailed discussion about your insurance coverage issues and verify that you are properly insured to protect you and your family from any type of claim or peril. Please feel free to contact one of our Connecticut car accident attorneys if you have any problems or questions regarding your insurance coverage have been seriously injured in any type of motor vehicle accident in Connecticut. We are happy to provide you with free information and advice. If we accept your accident or injury case, we will do so on a contingency fee basis and will advance the costs to develop your case. You will not have to pay us any money unless and until we recover money damages for you. Contact us today to see how we can help you.