Uninsured & Underinsured Motorist Accidents
Most motorists drive within the rules of the law, which includes carrying automobile insurance in the event of an accident. Unfortunately, some drivers often fail to carry auto insurance, placing others at risk of being uncompensated for injuries and other losses caused by an accident. When this occurs, Connecticut law recognizes the rights of accident victims by allowing them to bring a claim against their own auto insurance company for injuries, medical expenses and other losses incurred as the result of such an accident.
This is known as an uninsured motorist insurance claim, where your own insurance company is liable to you for injuries and losses you sustained in an accident by a driver who does not have insurance. This type of coverage also applies if you are injured in a hit-and-run accident where the other driver evades the scene of the accident and is never identified. An uninsured motorist claim places your insurance company in the shoes of the at-fault driver, should one have existed, allowing you a claim against your own insurance for your injuries and other losses.
In some cases, an at-fault driver may have insurance but may carry too little coverage to properly compensate you for your injuries and damages. This can occur when a driver carries the state minimum insurance limits, and the injuries that result in a crash are significant. In this case, a different type of claim called underinsured motorist claim may be available to accident victims. Like uninsured motorist coverage, an underinsured claim places your own insurance company in the shoes of the at-fault driver.
In Connecticut, automobile insurance policies are required, by law, to include uninsured and underinsured motorist coverage, in addition to liability coverage.
The idea of bringing a claim against one’s own insurance company makes some accident victims hesitant, but this type of insurance is specifically designed to protect them in the event they are hit by an uninsured, underinsured, or hit-and-run driver.
If you or a loved one has been the victim of a car accident contact The Scalora Law Group for a free legal consultation. We are experienced in handling car accident cases and have an established track record getting compensation for victims of car accidents. Contact us today at 860-344-9051 or fill out our contact form to have an attorney contact you back immediately.