Car accidents involving uninsured or underinsured drivers can leave victims facing significant financial burdens. In Connecticut, uninsured and underinsured motorist (UM/UIM) coverage provides critical protection. This blog explains why this type of coverage is essential and how it works in real-life scenarios.

What Is UM/UIM Coverage?
Uninsured motorist (UM) coverage protects you if you're in an accident with a driver who has no insurance. Underinsured motorist (UIM) coverage applies when the at-fault driver's insurance is insufficient to cover your damages.

• Connecticut Law: All auto insurance policies in Connecticut are required to include UM/UIM coverage equal to the liability limits unless waived in writing.

Why UM/UIM Coverage Is Crucial
Connecticut law specifies that only the executor or administrator of the deceased's estate can file a wrongful death lawsuit. However, the compensation is intended to benefit the deceased's heirs, such as a spouse, children, or parents.

1. High Rates of Uninsured Drivers:
   
   • Approximately 12.6% of U.S. drivers lack insurance, according to the Insurance Research Council.
   • UM coverage ensures you're not left without compensation if the at-fault driver is uninsured.
2. Inadequate Minimum Coverage:
   
   • Connecticut's minimum liability limits are $25,000 per person and $50,000 per accident. Severe injuries often exceed these amounts, making UIM coverage essential.

Real-Life Scenarios Highlighting the Importance of UM/UIM Coverage

• Uninsured Driver Case:
  
  • A Connecticut motorist sustained $100,000 in injuries after being hit by an uninsured driver. Their UM coverage paid the difference, protecting them from financial ruin.
• Underinsured Driver Case:
  
  • A family was awarded $250,000 for injuries after a crash, but the at-fault driver only had $50,000 in coverage. Their UIM policy covered the remaining $200,000.

How to Maximize Your UM/UIM Coverage

• Review Your Policy: Ensure your limits are sufficient to cover potential medical bills, lost wages, and property damage.
• Consider Umbrella Policies: For additional protection, consider an umbrella policy that extends UM/UIM coverage.
• Consult Your Agent: Work with your insurance agent to understand your options and select the right coverage.

UM/UIM coverage is a crucial safeguard for Connecticut drivers, offering protection when others can't or won't pay for damages. Reviewing your policy and maximizing coverage can provide peace of mind and financial security in the event of an accident.

Whether you've been injured or you're seeking justice for a loved one, you don't have to face this alone. Contact a trusted Connecticut personal injury lawyer to guide you through the legal process and fight for the justice and compensation you deserve.

If you need help, call 203-438-7450 to schedule your free consultation today or visit www.hcwlaw.com.