If you are injured by a driver with inadequate or no insurance we will pursue uninsured / underinsured benefits on your behalf to maximize your recovery.
Uninsured Motorist Insurance protects you from negligent drivers who do not carry adequate insurance. Connecticut law requires each car to carry $20,000 insurance for bodily injury to one person and 40,000 in insurance for all injuries in one accident. This is referred to as $20,000 / $40,000 limits. If you or a loved one is seriously injured by a negligent driver and that driver has only $20,000 in insurance, your recovery will be limited to $20,000 unless you have uninsured motorist coverage that exceeds $20,000. Here’s an example: A person is seriously injured in a motor vehicle collision and is out of work for 6 months, losing $50,000 in wages. If the injured person has uninsured / underinsured coverage of $100,000 he or she will be eligible to recover up to $100,000 for his injuries, the difference between his coverage of $100,000 and the other driver’s $20,000.
Check your Uninsured and Underinsured Motorist Coverage today! Uninsured and underinsured motorist coverage is the most important coverage for you and your family. It protects you. Liability coverage protects the other person.
All too often in my office someone comes in with a serious injury caused by a negligent driver with $20,000 in insurance. One of my first questions is “How much uninsured motorists coverage do you have?” They learn that day that they only have the bare minimum limits of $20,000. Their recovery is limited to $20,000.
You should review your auto insurance policy and increase your underinsured and uninsured motorist coverage so that it provides protection equal to the liability coverage you maintain.