Although Connecticut law requires that all motor vehicles operated on its highways have liability insurance, there is a significant percentage of drivers who operate without any coverage at all. An even greater number of people drive cars that are minimally insured, leaving woefully insufficient compensation available if they negligently cause personal injuries to others.
A car accident with an uninsured or underinsured driver that results in bodily injury does not have to be the financial disaster that it could be if you carry adequate uninsured/underinsured motorist insurance coverage (UM/UIM insurance). All vehicles registered and insured in Connecticut must also carry UM/UIM coverage with monetary protection equal to the liability coverage furnished under the policy. The consumer may, however, waive such limits so that they are less than the liability coverage.
Why would consumers carry more liability coverage for people they might injure and less coverage for themselves and their family if they are injured by some irresponsible, uninsured or underinsured driver? Because insurance companies and insurance agents encourage such write downs to limit insurers’ exposure. Needless to say, consumers should not automatically agree to any write down of UM/UIM coverage.
If you are injured in a car or truck accident, the attorneys at Cramer & Anderson have the experience and know how to aggressively pursue your case, whether it’s a direct case against the wrongdoer or one filed in pursuit of UM/UIM benefits, or both, we’ve done it all, and we’re here to help.