If you are injured in a motor vehicle collision, and the party at-fault does not have insurance, or the insurance is not sufficient to compensate you for your physical injuries and monetary losses, you may be able to obtain uninsured (UM)/ underinsured (UIM) motorist coverage. It is a mandatory type of vehicle insurance in Connecticut.
With this coverage, you can make a claim against your own insurance company for harm and losses suffered in car accident. At Tremont Sheldon Robinson Mahoney in Bridgeport, our attorneys will help you explore all of your options to cover the cost of your medical care and other damages.
Cover Your Bases And Obtain The Right Coverage
If you don't have enough UM/UIM coverage, you may be personally responsible for your medical bills and may not be compensated for your lost wages and physical injuries.
Consider this story of Connie and Lynn: They were injured in a three-car chain collision on I-95. The person who caused the accident only had minimal insurance coverage: $20,000 per person, but no more than $40,000 per incident.
Connie, who was the driver, had badly injured her shoulder. Her medical bills, lost wages, and pain and suffering far exceeded the at-fault party's $20,000. She didn't purchase any additional underinsured motorist coverage beyond the minimal $20,000/$40,000 coverage, so she couldn't recover any additional compensation. Lynn, a passenger in Connie's car, had injured her back. She had purchased $300,000 in underinsured motorist coverage as part of her own car insurance. She could, therefore, obtain additional compensation from her own insurer, even though she was a passenger in someone else's vehicle.
Check Your Insurance Coverage And Increase It If Necessary
It is very important to make sure that you and your family have adequate uninsured and underinsured coverage. People are often surprised to learn that umbrella and excess policies do not typically cover these types of situations. You may wish to increase the amount of your liability insurance, so that you can buy a matching amount of UM/UIM coverage.
There are other ways to increase your UM/UIM coverage: double UM and conversion coverage. Double UM increases your coverage to twice the amount of your liability coverage; conversion coverage enables you to collect the full amount of the uninsured motorist coverage purchase, regardless of the amount you may have already recovered from the at-fault party.
We Are Here To Help. Contact Our Firm Today.
Do not lose hope just because the person who hit you does not have insurance coverage. Contact Tremont Sheldon Robinson Mahoney today to discuss your case and learn more about how we fight for families in Bridgeport and across Connecticut.