Connecticut requires uninsured and underinsured motorist coverage on every auto policy, and it can be the key to recovery when the at-fault driver can't pay.
Why UM/UIM Coverage Exists
Many drivers carry no insurance or minimum policies, and UM/UIM coverage protects you when they cause your injuries. Because Connecticut follows a modified comparative negligence rule with a 51% bar, the details here directly affect what an injured person can recover. Our network attorneys see these situations regularly across the state.
Connecticut's laws and local conditions shape how this plays out in practice. Getting informed guidance early helps you avoid costly missteps and protect the full value of any claim you may have.
The Difference Between UM and UIM
Uninsured coverage applies when the at-fault driver has no insurance; underinsured coverage fills the gap when their limits are too low. From Fairfield County to the Quiet Corner, injured Connecticut residents face these questions every day. Knowing your rights — and acting before deadlines pass — is the single best way to protect your claim.
Connecticut's laws and local conditions shape how this plays out in practice. Getting informed guidance early helps you avoid costly missteps and protect the full value of any claim you may have.
Connecticut's Mandatory Coverage
State law requires every auto policy to include UM/UIM coverage, so you likely have it even if you never use it. Because Connecticut follows a modified comparative negligence rule with a 51% bar, the details here directly affect what an injured person can recover. Our network attorneys see these situations regularly across the state.
From Fairfield County to the Quiet Corner, injured Connecticut residents face these questions every day. Knowing your rights — and acting before deadlines pass — is the single best way to protect your claim.
Conversion Coverage and Stacking
Connecticut allows certain coverage to stack on top of the at-fault driver's policy, increasing what is available to you. In Connecticut, this carries added weight because of the state's dense highway network, mix of urban and shoreline communities, and specific injury statutes. Understanding how it applies to your situation can make a meaningful difference in both your recovery and your peace of mind.
From Fairfield County to the Quiet Corner, injured Connecticut residents face these questions every day. Knowing your rights — and acting before deadlines pass — is the single best way to protect your claim.
When Your Insurer Becomes the Opponent
UM/UIM claims are made against your own insurer, who may still dispute fault and the value of your injuries. Because Connecticut follows a modified comparative negligence rule with a 51% bar, the details here directly affect what an injured person can recover. Our network attorneys see these situations regularly across the state.
From Fairfield County to the Quiet Corner, injured Connecticut residents face these questions every day. Knowing your rights — and acting before deadlines pass — is the single best way to protect your claim.
Maximizing Your UM/UIM Recovery
An attorney can identify every applicable policy and pursue stacking where allowed to maximize your compensation. Because Connecticut follows a modified comparative negligence rule with a 51% bar, the details here directly affect what an injured person can recover. Our network attorneys see these situations regularly across the state.
Connecticut's laws and local conditions shape how this plays out in practice. Getting informed guidance early helps you avoid costly missteps and protect the full value of any claim you may have.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Connecticut attorney.