Some drivers ignore motor vehicle insurance requirements, cannot afford to buy car insurance, or carry insufficient insurance. Under-insured motorist coverage provides compensation for injured drivers when the at-fault driver does not have enough insurance coverage to compensate the injured party in full for his/her injuries.
An "under-insured motorist" is generally a person who is responsible for the injuries but who has opted to purchase only the minimum policy required by law. If a person who has purchased under-insured motorist coverage is in an accident with an under-insured motorist, he/she may be able to collect from his or her own insurance company to recoup damages that are greater than the responsible party's limits.
In order to recover under-insured or uninsured motorist benefits, a party generally must first establish that the under-insured or uninsured driver was at fault and that he/she suffered significant injuries. In the case of under-insured motorist benefits, the injured party must also collect the at-fault driver's policy limits before collecting under his/her own insurance policy. An insurance company is typically entitled to a credit for any recovery received from the under-insured motorist's policy.
If you are confused by these insurance terms and are not sure if you are entitled to damages following your car accident in Connecticut, please contact the experienced Auto Accident Lawyers at Trantolo & Trantolo, LLC, serving clients in Hartford, New Haven, and Bridgeport, Connecticut.
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