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McCoy & McCoy
Connecticut Personal Injury
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Why Higher Limits are Needed for Uninsured Motorists

Under the assumption that everyone is driving around with insurance? Think again. According to the Insurance Research Council, it is estimated that one out of every seven drivers in the United States does not have drivers insurance.

The problem of uninsured drivers affects you directly. If injured in an accident caused by such a driver, you may be left to pay the cost of your injuries. Fortunately, there is a way to protect you and your loved ones from such a dismaying scenario.

What is uninsured motorist coverage?

When insurance rates can be incredibly pricey even without uninsured motorists' coverage, you may be shaking your head at the thought of paying for this additional coverage. However, if you do end up involved in an accident with an uninsured driver, this can protect your finances from taking a severe hit.

It is important to understand Connecticut's laws regarding this kind of insurance. The state offers both standard underinsured motorist coverage, as well as an underinsured motorist conversion coverage plan. The former will deduct your insurance from the insurance of the driver who caused the accident, meaning that your coverage is the maximum amount you can receive regardless.

The latter option gives you the full amount of your underinsured motorist coverage no matter how much coverage the other driver carries. This plan is much more beneficial for the driver, as you are far more likely to be fully covered.

The number of uninsured drivers on the road is only increasing. Protect yourself and your family by requesting that your insurance company raise the limits of your uninsured motorist coverage. The more proactive you are, the better your chances of avoiding personal financial loss.

If you have been injured by an uninsured driver, don't hesitate to contact McCoy & McCoy. Our Hartford personal injury attorney has extensive experience and would be honored to represent you.

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