Understanding Connecticut’s Uninsured Motorist Laws

Connecticut's uninsured motorist laws are designed to protect drivers who are involved in accidents with uninsured or underinsured motorists. Understanding these laws is crucial for every driver in the state, as they offer a layer of financial protection against the risks associated with uninsured drivers on the road.

Under Connecticut law, all motorists are required to carry a minimum amount of liability insurance. This insurance must include coverage for uninsured motorist (UM) insurance, which provides compensation if you are injured in an accident caused by a driver who does not have insurance or whose insurance is insufficient to cover your damages.

Connecticut’s minimum UM coverage is set at $25,000 per person and $50,000 per accident for bodily injury. However, many experts recommend purchasing higher coverage limits to ensure better protection in the event of a serious accident. It’s essential to review your policy and discuss your options with your insurance agent to ensure you have adequate protection.

In the case of an accident with an uninsured driver, the process for filing a claim involves several steps. First, you need to report the accident to your insurance company as soon as possible. Provide them with all necessary information, including details of the accident, police reports, and any relevant medical documentation. Your insurer will then guide you through the claims process, which may involve negotiating a settlement for your injuries and damages.

Moreover, Connecticut follows a 'comparative fault' system when determining fault in an accident. This means that if you are found to be partially responsible for the accident, your compensation could be reduced based on your percentage of fault. Understanding this can impact how you approach a claim under your uninsured motorist coverage.

Additionally, it is worth noting that Connecticut law requires that you notify your insurer within 60 days of the accident, and it’s advisable to file your claim within three years to avoid being barred from seeking compensation. Always keep detailed records and documentation related to the accident and your injuries, as this will bolster your claim.

In summary, understanding Connecticut's uninsured motorist laws not only helps you navigate the complexities of an accident but also emphasizes the importance of being adequately insured. Review your insurance policy routinely and stay informed about the laws to ensure you are fully protected on the road.