Every driver in Connecticut is required by law to carry auto insurance in case of an accident. While car insurance is not optional, there are still a significant number of people who drive without the required coverage.
If a driver without car insurance injured you in a wreck, you may need help from an experienced car collision attorney. Contact a Glastonbury uninsured car accident lawyer and find out more about your options.
Understanding Auto Insurance
In Connecticut, the state operates on a fault-based system of car insurance. This means that a person who was injured in an accident generally files a claim or a lawsuit against the other driver and their insurance policy. If their claim is successful, the insurance company will pay compensation to the injured person up to the limits of their policy.
Each driver is required to carry at least the state minimum of auto insurance coverage. Connecticut General Statute §14-112 requires drivers to have $25,000 of bodily injury coverage per person, $50,000 of coverage for accidents involving multiple persons, and $25,000 of property damage coverage.
Policy limits may be reached after a serious accident involving catastrophic injuries. If a person’s auto insurance coverage does not fully compensate the injured person, that person can often file a claim against their own car insurance policy’s uninsured motorist coverage.
Uninsured Motorist Coverage
All car insurance companies in Connecticut must offer uninsured motorist coverage. When a driver purchases such a policy, their own coverage will help fill the gaps between their damages and the amount of money that the other driver’s insurance can provide.
While uninsured motorist coverage is meant to protect drivers, injured plaintiffs often find that their own insurance company will lowball their claim or refuse to pay it. Though drivers should be able to trust their insurance company to act in their best interests, anyone seeking compensation through their uninsured motorist coverage may need to hire an uninsured car accident lawyer in Glastonbury to obtain a satisfactory settlement offer.
Other Applications for Uninsured Motorist Coverage
In addition to covering those who were injured by an uninsured or underinsured driver, uninsured coverage can help apply other types of accident claims, such as those who are injured by hit-and-run drivers.
When a hit-and-run driver causes an injury, it may be unclear who is liable or how the other driver involved might recover compensation for their injuries. Uninsured motorist coverage can provide money to help with medical bills and other costs, even if the other driver is never located.
Additionally, uninsured coverage benefits not only the insured driver but that their family members as well. If an insured person lives with a family member and that family member is injured by a vehicle, the insured person’s coverage may be able to provide compensation.
Get Help from a Glastonbury Uninsured Car Accident Attorney
In a perfect world, every driver would carry enough insurance to protect themselves and pay out any claims in the case of an accident. In reality, many injured plaintiffs find that a negligent driver did not have sufficient coverage to compensate them for all of their damages.
Contact a Glastonbury uninsured car accident lawyer today to learn more about the legal process and protect your right to compensation after an accident caused by someone else’s negligence.