Most states require that drivers have minimum liability insurance coverage, and Connecticut is no different. However, some motorists choose to ignore these legal requirements, and this negligent behavior creates unnecessary risks for everyone they share the road with.
Connecticut ranks 33rd in the nation for uninsured drivers, but despite having better insurance compliance than many other states, there are still approximately 10 percent of drivers who are uninsured. If an uninsured or underinsured driver causes a car accident, the injured victim could be left to deal with the financial aftermath on their own. Contact D’Amico & Pettinicchi, LLC, to discuss what options you may have for recovering the compensation you deserve after an uninsured/underinsured car accident in Litchfield.
Connecticut requires drivers to have liability insurance, which covers damage that other drivers sustain in a collision. The minimum liability car insurance requirements in Connecticut are:
While these minimums will ensure motorists stay in compliance with state law, it is recommended that drivers purchase increased coverage. Higher coverage limits provide added financial protection in the event of a serious accident.
Connecticut also requires that your car insurance policy includes uninsured motorist coverage. This is beneficial in the event that another driver causes an accident and they do not have insurance. The limits on uninsured policies are the same as liability policies, but having increased coverage provides additional protection.
For example, suppose you have the minimum uninsured coverage, and an uninsured driver causes an accident that leads to severe injuries. After testing, surgeries, medical appointments, and any other healthcare associated with the accident, your medical expenses could easily exceed the $25,000 minimum limit.
Yes, drivers in Litchfield are required to have underinsured coverage. This provides coverage for you if the at-fault person does not have enough liability insurance to adequately compensate you for your injuries. Car insurance companies are also required by state law to inform you that you can add underinsured motorist conversion coverage. Conversion coverage ensures you have the full-face amount of underinsured coverage available to you without reduction for what you receive from the at-fault party.
If you have been injured in an uninsured/underinsured car accident in Litchfield, our team of experienced car accident lawyers can help. We have over 100 combined years of experience advocating for our clients’ rights and fighting for fair compensation to help them in their recovery after an accident.
Seeking economic and non-economic damages after an accident caused by an uninsured or underinsured driver is complex. You may be able to recover damages like:
However, if your car insurance policy must cover your damages because the at-fault driver did not have insurance or did not have enough insurance, you may be facing numerous challenges to get the compensation you deserve.
Contact the lawyers at D’Amico & Pettinicchi, LLC, to discuss your options for recovering financial damages after an uninsured/underinsured car accident in Litchfield. Our dedication and unique approach to accident cases helps give you the best possible chance at a favorable outcome. Schedule a free in-person or virtual consultation with us today.
