Responsible drivers carry liability car insurance so that if they are involved in an accident, their insurance company will offer a settlement to any people involved in the accident who suffered injury or property damage. In fact, Connecticut state law requires all car drivers to carry proof of automobile insurance.
Nonetheless, many drivers on Connecticut roads do not carry car insurance, or they carry too little car insurance in the case of a major accident. If you are in an accident with an uninsured or an underinsured motorist (sometimes called UIM), how will your own injuries and property damage be compensated?
Drivers who carry car insurance may carry uninsured motorist coverage as part of their policy. The purpose of this coverage is to provide a source of financial compensation in the event you are in a car accident with an uninsured or underinsured motorist.
You may use your uninsured motorist coverage to seek compensation from your own insurance company for all financial losses as a result of the accident — including medical bills, property damage, lost wages and pain and suffering. In this way, making a claim under an uninsured motorist policy is much like making a claim under any other form of insurance.
After an accident with an uninsured motorist, many people make the mistake of assuming that the claim process will go smoothly because they are dealing with their own insurance company. Often, car accident victims forget that their insurance company is looking out for its own financial interests, rather than the policyholder’s best interests.
For that reason alone, it is wise to seek advice from experienced car accident attorneys after a motor vehicle accident involving an uninsured or underinsured motorist. As with any type of motor vehicle accident, your lawyer will carefully investigate the accident and your resulting medical treatment, in order to make sure your settlement demand accurately reflects all your current and future financial losses.
At the New Haven, Connecticut, law firm of Kennedy, Johnson, Schwab & Roberge, L.L.C., we represented injury victims throughout Connecticut since 1988. Our attorneys have a long record of success in negotiation, mediation, arbitration and civil trials, when necessary, to make sure that our clients obtain proper and just compensation after an accident.
At Kennedy, Johnson, Schwab & Roberge, L.L.C., we handle all Unisured Motorist Claims cases on a contingency fee basis. This means that we do not get paid unless and until you receive a settlement or a jury award.