Blog

Conversion coverage is an optional addition to auto insurance that prevents your UM/UIM benefits from being reduced by the at-fault driver’s insurance payment. Without it, your insurer might subtract the at-fault driver's payout from your UM/UIM limit, reducing total compensation. For example, if your damages total $100,000 and the at-fault driver’s insurer pays $50,000, conversion coverage ensures you receive the full $100,000 from your UM/UIM policy in addition to the $50,000, totaling $150,000. Review your policy and consult your insurance agent to determine if conversion coverage is right for you. For legal guidance, contact Hastings, Cohan & Walsh, LLP at 203-438-7450 or visit www.hcwlaw.com for a free consultation.

Dealing with insurance companies after an injury can be challenging as insurers prioritize minimizing payouts. This guide offers tips for protecting your rights, including avoiding recorded statements without legal advice, documenting everything, rejecting low initial offers, understanding your policy, and seeking legal representation. It highlights the value of experienced attorneys in negotiating fair compensation and ensuring a smoother claims process.

At Hastings, Cohan & Walsh, we believe that everyone deserves access to justice, regardless of their insurance status. If you have been injured in an accident caused by the fault of another and do not have motor vehicle or health insurance, you may still be able to file a claim for personal injuries

How much insurance coverage you have is a very important consideration. You might be shocked to find out how little it could cost you to add additional coverage. One of the most valuable types of insurance coverage you can purchase is uninsured or UM and underinsured motorist coverage or UIM.