The state of Connecticut requires drivers to carry a minimum of $20,000 bodily injury coverage per person and at least $40,000 per accident. In addition, drivers are required to carry this same minimum amount of “uninsured motorist coverage”. The purpose of this requirement is to protect you should you be injured as a result of a negligent driver who is uninsured (has no coverage), or is underinsured (has insurance but not enough to compensate for your damages). A driver may opt to include a greater amount of uninsured motorist coverage insurance than the minimum. We recommend that you do.
Since hospital, doctor and follow-up care expenses can run into the hundred of thousands of dollars, it is an excellent idea to purchase the most uninsured motorist coverage that you can reasonably afford. Uninsured motorists usually do not have other assets that you could attach in a lawsuit should you need to pursue one. In addition, although you could sue the insurance company of a negligent driver that caused you to suffer a personal injury or wrongful death, obviously in the case of an uninsured motorist there is no insurance company to sue.
If you are involved in a motor vehicle accident with an uninsured or underinsured driver, it is important that you contact our law firm to review your insurance policy and discuss your options. Even if you are covered by an adequate amount of uninsured insurance in your own policy, getting your insurance company to actually pay it to you may be another matter. Once an accident occurs, your insurance company takes off its good neighbor hat and replaces it with its “snidely villain” hat as you are now their adversary and their goal is to pay you the minimum amount possible, all while still retaining your future business of course. Don’t be mislead by the statements of your insurance company lawyers who are trained to get you to settle for the least amount possible. Call the law offices of Eagan, Donohue, Van Dyke & Falsey, LLP today for a free initial consultation.