What if the Negligent Driver in Your Car Accident Had No Insurance — or Insufficient Insurance Coverage? Ask an Attorney
Connecticut state laws require auto insurance in order to legally operate a motor vehicle. Unfortunately, the same people who drive on a suspended driver's license or with outdated license tag registration are often the ones who drive without sufficient insurance.
Were you injured in a car crash by a negligent motorist who did not carry enough insurance to cover the costs of your injury? Contact our law offices to learn how we can help ensure that you receive the compensation you are entitled to through your own auto accident policy's uninsured/underinsured motorist provisions.
Who Does UI/UIM Coverage Extend To?
Uninsured and underinsured motorist coverage may pay for medical costs for the owner of the vehicle as well as family members residing in the same household. If you were injured in a car accident, the other driver was negligent and that other driver was also uninsured or underinsured, your own auto insurance coverage will come into play. Most automobile accident policies cover losses involving uninsured or underinsured motorists. (UM/UIM). This type of coverage will be important if you were injured in a hit-and run-accident, and the other vehicle has not been identified.
Is Your Family Adequately Protected?
Because of the unpredictability of other drivers' insurance coverage, Jacobs & Jacobs, P.C. attorneys encourage anyone with auto insurance to purchase optional doubled UI/UIM coverage, "conversion coverage," and/or an umbrella policy to be prepared for potential accidents and injuries. Likewise, we warn people not to sign waivers reducing uninsured motorist coverage below liability limits.
When Is "Insured" Actually "Underinsured?"
Even a motorist who is operating his or her car legally and has the minimum required liability insurance may turn out to be underinsured if you sustain a serious injury. A catastrophic injury will undoubtedly incur more medical expenses than the $40,000 minimum required bodily injury liability.
Since 1950, the personal injury lawyers of Jacobs & Jacobs, P.C., in New Haven, have helped accidental injury victims recover compensation — even in challenging circumstances such as hit-and-run accidents. Contact us to schedule a consultation with an attorney about uninsured and underinsured motorist coverage.
