Uninsured motorist coverage is required in the state of Connecticut and personal injury protection is an elective benefit. They cover different forms of losses and they cover them at different phases of your claim. Personal injury protection coverage would pay for medical bills and sometimes, a degree of lost wages at the initiation of the claim. It's really helpful while you are vulnerable and may be out of work and incurring medical bills but it will do nothing for you at the end of your claim, if the person responsible for what happened doesn't have enough insurance or any insurance.
In that situation, your fallback is your own insurance policy's uninsured motorist protection to cover the financial loss and the non-economic losses that were caused by someone else's fault. Even though you are required to have this coverage, you are not required to have it at a level that might be meaningful when you are hurt or a family member is hurt. You want to be really careful to purchase coverage limits at a higher level than the minimum that is required and also to purchase uninsured motorist conversion coverage, if you can afford it. That way, you have the most protection available.
How Much Will I Get For Pain And Suffering From A Car Accident In Connecticut?
The variables that most dictate the outcome of your case are the extent of your injury, the extent of your medical care, the timing of the medical care, and the outcome of all your best efforts to rehabilitate yourself back to where you were before the accident. After that, it's up to your lawyer to assemble all the information, utilize all their persuasive skills, and litigate the case, if necessary. There is really no way for a lawyer to tell you exactly what your case is going to be worth but we can certainly characterize it, based on patterns that we've seen before.
For more information on UIM Coverage Vs. PIP Coverage In Connecticut, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (860) 322-5302 today.