You are out on the road like any normal day until you find yourself injured after getting involved in a car accident. While the situation is stressful enough, discovering that the at-fault driver has no insurance can make things feel hopeless.
Fortunately, Connecticut laws allow you to lean on your own insurance so you are not left paying for someone else’s negligence. Understanding the steps to pursue a claim can help ensure your physical and financial recovery after a car accident.
Relying on your own coverage
In Connecticut, every auto insurance policy has to include Uninsured/Underinsured Motorist (UM/UIM) coverage. This can be a vital safety net if you are hit by a driver who lacks insurance or does not have enough to cover your damages. Your own insurance policy can provide the compensation you would otherwise recover from the at-fault party.
Immediate steps to take
What you do right after the car crash can help preserve the evidence needed to support your claim. If you are able to, calling the police can help you get an official report documenting the uninsured driver and how the accident happened.
While waiting, you can take photos of the scene, vehicle damage and your injuries. You can also collect contact details from any witnesses. Afterward, seeking medical treatment can create important records that help link your injuries to the crash.
Going about your insurance claim
Notifying your insurance company promptly is essential as UM/UIM claims often have short reporting deadlines. You may be able to recover the same losses as a personal injury claim, including:
- Current and future medical bills
- Lost wages and reduced earning ability
- Pain and suffering damages
While you are dealing with your own insurance company, they may still attempt to minimize your payout. A lawyer can help you present the full value of your damages to ensure your insurer treats you fairly.
Turning tragedy into action
Being hit by an uninsured driver does not have to be a detriment to your financial stability. Taking the right steps to leverage your own UM/UIM benefits can help you pursue the compensation needed for a successful recuperation.
