What Is Uninsured or Underinsured Motorist Coverage?

Donovan & Morello, LLP April 15, 2024

If you're involved in a motor vehicle collision which isn't your fault, you first need to make claim against the liability insurance for the at fault driver. However, in many cases, the at fault driver does not have a policy of insurance that would pay for your bodily injury losses. In that instance, you will make a claim under your own insurance policy under the uninsured motorist provisions of your policy.

Uninsured motorist coverage also provides you coverage for a force and run collision or a hit and run collision.

Every auto insurance policy issued for vehicles registered in Connecticut contains a provision for uninsured/underinsured motorist coverage which covers just this situation. That is, your insurance provides you, your relatives residing with you or passengers in yourvehiclewith coverage for damages for the bodily injuries that you or they sustain in a collision with an uninsured or underinsured motorist. This means that your own insurance company will step in to cover your losses just as if the at fault vehicle had insurance.

Underinsured motorist coverage is similar. If the liability coverage for the at fault vehicle is not sufficient to cover the damages that you sustain in the collision, then it provides you with additional coverage in the event that your damages exceed the policy limits of the at fault vehicle.

Our firm has handled thousands of these types of claims. Attorney Morello is well versed in this area of the law and is the author of a law treatise entitled "The Handbook of Connecticut Uninsured/Underinsured Law" and is a recognized expert in this area of the law.