Being involved in a car accident can be a distressing experience, and it becomes even more challenging when the at-fault driver is uninsured or underinsured. If you have been injured or suffered property damage in such a situation, it’s essential to understand your rights and options.
At the Law Office of Carl A. Secola, Jr., LLC, our team of experienced New Haven uninsured and underinsured motorist lawyer is here to help. We specialize in navigating the complexities of insurance claims and fighting for the compensation you deserve.
With our knowledge, dedication, and commitment to your best interests, we will work tirelessly to ensure you receive the full and fair compensation you are entitled to. Don’t face the aftermath of an accident alone—contact our New Haven uninsured and underinsured motorist attorneys today to discuss your case and protect your rights.
Understanding New Haven Underinsured and Uninsured Motorists Claims
New Haven underinsured and uninsured motorists refer to drivers who either do not have insurance coverage or have insufficient coverage to fully compensate victims in the event of a car accident.
Uninsured motorists are drivers who do not carry any auto insurance at all, either due to non-compliance with the law or other reasons. If you are involved in an accident with an uninsured motorist, it can be challenging to pursue compensation for your injuries and damages, as there may be no insurance policy available to cover your losses.
Underinsured motorists, on the other hand, have insurance coverage, but the limits of their policy are not sufficient to fully compensate the injured party. In these cases, the at-fault driver’s insurance policy may not provide adequate funds to cover medical expenses, property damage, lost wages, and other damages resulting from the accident.
Encountering an uninsured or underinsured motorist can create significant financial and legal hurdles for accident victims. However, there are options available to seek compensation and protect your rights.
Examples of New Haven Underinsured and Uninsured Motorist Claims
Here are examples of some of the claims our New Haven car accident lawyers have seen:
- Uninsured Motorist Claim: A New Haven driver is involved in a car accident caused by another driver who does not have any auto insurance coverage. The injured driver may file an uninsured motorist claim with their own insurance company to seek compensation for medical expenses, property damage, and other losses.
- Underinsured Motorist Claim: A New Haven pedestrian is struck by a vehicle driven by a driver who carries the minimum required insurance coverage. However, the pedestrian sustains severe injuries that exceed the at-fault driver’s policy limits. In this case, the injured pedestrian may file an underinsured motorist claim with their own insurance company to bridge the gap and receive additional compensation for their damages.
- Hit-and-Run Accident: A New Haven motorist is involved in a hit-and-run accident where the responsible driver flees the scene and cannot be identified. Since the at-fault driver is unknown and therefore uninsured, the injured motorist can file an uninsured motorist claim with their insurance provider to seek compensation for their injuries and property damage.
New Haven Driver Insurance Requirements
In Connecticut, drivers are required to carry certain minimum insurance coverage to legally operate a motor vehicle. The mandatory insurance requirements in Connecticut include:
- Liability Insurance: Drivers must have liability insurance coverage to compensate others for injuries or property damage caused by their negligence. The minimum liability coverage limits in Connecticut are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
It’s important to note that these are the minimum required coverage limits, and individuals may choose to carry higher limits for additional protection.
- Uninsured/Underinsured Motorist Coverage: Connecticut law also requires drivers to have uninsured/underinsured motorist (UM/UIM) coverage. This coverage protects drivers and passengers in case of accidents involving uninsured or underinsured motorists. The minimum UM/UIM coverage limits in Connecticut are the same as the liability coverage limits mentioned above.
- Additional Optional Coverage: While not required by law, drivers in Connecticut may opt for additional types of coverage, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to provide further protection for themselves and their vehicles.
Statute of Limitations for New Haven Uninsured And Underinsured Motorist Claims
In New Haven, the statute of limitations for uninsured and underinsured motor vehicle accident claims is generally the same as the statute of limitations for personal injury claims. The statute of limitations for personal injury claims in Connecticut is typically two years from the date of the accident.
It’s important to note that the statute of limitations can vary depending on the specific circumstances of the case. Failing to file a claim within the specified time frame may result in the loss of your right to seek compensation.
Why You Should Contact Our New Haven Uninsured And Underinsured Motorist Attorney Today
In conclusion, if you have been involved in a car accident with an uninsured or underinsured motorist in New Haven, it’s essential to seek the guidance of a skilled and experienced New Haven uninsured and underinsured motorist lawyer. Dealing with these complex cases requires a deep understanding of Connecticut laws, insurance policies, and the tactics employed by insurance companies.
At the Law Office of Carl A. Secola, Jr., LLC, our New Haven personal injury lawyer is here to provide you with the strong legal representation you need.
We will fight tirelessly to ensure you receive the compensation you deserve for your injuries, medical expenses, property damage, and other losses. Don’t bear the burden alone—contact us today for a confidential consultation.
Let us help you navigate the legal process, protect your rights, and obtain the justice and compensation you deserve. Your road to recovery starts here, and we are ready to stand by your side every step of the way. Contact us today at (203)-891-5265.