How Uninsured/Underinsured Motorist Coverage Works
Uninsured/underinsured motorist insurance is used for covering bodily injury to policyholders, relatives who are living with the policyholders, and passengers if they’re hurt in an accident that resulted in an uninsured driver’s negligence. This coverage can also be used for covering injuries resulting from the negligent actions of hit-and-run drivers or motorists whose liability coverage is lower than the victim’s uninsured motorist coverage.
In Connecticut, the minimum coverage required for uninsured motorist insurance is $50,000 per accident and $$25,000 per individual. However, drivers can buy extra coverage.
What Happens If Your Uninsured/Underinsured Motorist Coverage Is Not Enough?
In the event that your damages exceed your uninsured/underinsured coverage limits, you can also recover from your other insurance policies, such as:
- Comprehensive coverage for covering damage to your motor vehicle
- MedPay coverage for covering medical payments, and if applicable, lost earnings and funeral costs
But what if these are still not enough to cover your damages or if you do not have these insurance policies?
Why You Should Consider Filing A Claim Against The Uninsured Driver
Remember that most uninsured/underinsured drivers might not have the money to compensate victims since they don’t even have auto insurance in the first place. In some cases, however, besides filing a claim against the driver, you may also have the option of filing a claim against other potentially liable parties that may have contributed, in any way, to your accident:
- The uninsured driver’s employer – Was the liable driver working or “on the clock” when the accident occurred? If yes, you may have a claim against the uninsured driver’s employer and can seek compensation from the employer’s insurance provider.
- The manufacturer of your vehicle or the driver’s vehicle – Was a mechanical defect, particularly one that the manufacturer knew about but did not address, caused, or contributed to the accident? Vehicle manufacturers are required to put out roadworthy and safe vehicles that don’t pose unnecessary dangers to drivers and other road users.
- The owner of the other vehicle – In some cases, the vehicle owners, such as in the case of fleet or corporate ownership, might share legal liability for accidents that involve their vehicles.
- The mechanic who maintains or recently repaired the vehicle – If the mechanic failed to properly maintain or repair a vehicle, accidents may occur and they might be held liable for resulting harm and losses.
Talk To An Experienced Windsor Car Accident Lawyer Today
To learn more about how you can seek compensation from your own uninsured/underinsured motorist coverage, call Berman & Russo for legal guidance. Our Windsor car accident lawyers can also identify all potential sources of compensation besides your own insurance coverage to ensure that you obtain the compensation you deserve. Contact us online or call 860-644-1548 to arrange your free case review today.