You won't know that another driver has no insurance, unless they admit to the police officer who is investigating the claim that they don't have insurance or they are unable to produce an insurance card. When you find out, you are going to be unpleasantly surprised that now you need to rely on your own insurance policy. This isn't a problem because in the state of Connecticut, uninsured motorist coverage is required. The question is whether or not your coverage levels are sufficient to cover the damages. Hopefully, you have purchased enough coverage to fully compensate yourself for those damages that would have otherwise been paid.
Does Uninsured Motorist Coverage Pay For My Pain And Suffering?
In order for you uninsured motorist coverage to pay for your pain and suffering, you are going to have to establish that you've already taken or exhausted all the underlying coverage that the at-fault party had available to you. Then, you are going to have to further prove what the extent of compensation you would have been due from the at-fault party is because now, you are going to be asking your own insurer to stand in the shoes of the at-fault party's insurance company.
What Is Uninsured Motorist Conversion Coverage?
Uninsured motorist conversion coverage is a type of policy benefit that you can pay extra for. If you purchased $100,000 of uninsured motorist protection and the driver who hit you had a policy of $25,000 and you exhausted it, then you can turn to your own insurance company for the difference. Conversion coverage allows you to pay just a little bit of extra money and then, instead of having to deduct the amount of recovery that you received from the at-fault party's insurance company, you can have your insurance company pay for the entire loss without deduction. We always tell our clients that if you can afford it, make sure you have conversion coverage, so that your family members are protected in a situation where there is really a big injury and the person responsible for it does not have enough insurance coverage to protect you.
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For more information on Getting Hit By An Uninsured Motorist, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (860) 322-5302 today.