Other Connecticut Motorist Policy Considerations
Connecticut Law requires that the uninsured/underinsured motorist limits of a policy be equal to the liability limits of the policy, unless a reduced amount is requested.
Lower or Higher Uninsured/Underinsured Motorist Limits
Although an insured can request a lesser amount of uninsured or underinsured motorist coverage, it is not wise to do so. Uninsured and underinsured motorist coverage protects you, your passengers, and family members. This type of coverage provides you with additional money to pay for your damages in the event that the negligent party is uninsured or does not have enough insurance to cover your losses. Additionally, the cost of this coverage is generally substantially less than the premiums charged for liability coverage.
Connecticut law also allows you to purchase uninsured or underinsured motorist coverage that exceeds the limits of your liability limits. The law allows you to purchase it in an amount that is double your liability limit. You can also purchase what is known as “conversion coverage” to increase the amount you would be entitled to in this situation.
Property Damage Not Covered
Uninsured Motorist coverage does not provide for property damage coverage for your automobile. Any property damage to your vehicle must be paid for by the other negligent party’s insurer, or through your own collision coverage.