New London Uninsured Motorist Accident Lawyer
New London Uninsured Motorist Accident Attorney
A car accident can leave you suffering from life-changing injuries, costly property damage, and emotional suffering. When the at-fault driver doesn’t carry insurance, it can leave you worried about how to afford the cost of recovering from a crash. A New London uninsured motorist accident lawyer can explain your legal options and how your own insurance can help.
Suisman Shapiro: Trusted Car Accident Lawyers
For over eight decades, Suisman Shapiro has worked tirelessly to hold at-fault drivers accountable and pursue compensation to help accident victims.
Our attorneys have a deep understanding of Connecticut’s uninsured motorist accident laws and a passion for finding a solution in complex cases, whether by filing an uninsured motorist accident claim or by filing directly against the at-fault driver. Our New London personal injury lawyers can negotiate with insurance companies to reach the full settlement you deserve.
An Overview of Car Accidents in New London
Car accidents are among the most life-threatening events a person can face. In 2024, there were over 100,000 crashes. In New London, the I-95 corridor and Main Street are frequent sites of car crashes due to high speeds and heavy traffic. Some top factors that may increase the risk of a crash in New London include:
- Driver errors such as speeding, driving while distracted, or breaking traffic laws
- Environmental conditions such as adverse weather or icy roads
- Vehicle malfunctions due to defective vehicle parts or a poorly maintained vehicle
After most accidents, you can file a claim against the at-fault driver, whose insurance will cover your damages. However, when a driver is uninsured, it unfairly leaves you searching for alternative options. This can be stressful, which is why a New London uninsured motorist accident attorney’s guidance is invaluable.
Connecticut’s Uninsured Motorist Accident Laws and Minimum Coverage Requirements
Connecticut has strict insurance requirements for drivers, so accident victims are protected in the case of a crash. The minimum liability drivers must carry is:
- $25,000 per person for bodily injury
- $50,000 per accident per bodily injury
- $25,000 per accident for property damage
Connecticut drivers must also carry uninsured motorist and underinsured motorist coverage. This coverage protects drivers if they are involved in an accident with an uninsured driver, a hit-and-run, or if the at-fault driver’s insurance does not cover all your damages. In 2023, 11.8% of Connecticut drivers were uninsured, which makes uninsured motorist coverage extremely valuable in the case of an accident.
Why You Should Hire an Uninsured Motorist Accident Lawyer
Legal action can become complex when a driver doesn’t adhere to Connecticut’s insurance requirements. In certain cases, a New London uninsured motorist accident lawyer can help you file a claim directly against the at-fault driver, though this is uncommon. After most accidents with an uninsured driver, a lawyer can help you file a claim through your own insurance provider’s uninsured motorist coverage.
Damages Covered by Uninsured Motorist Coverage
Uninsured motorist coverage can help prevent financial hardship after a crash. The coverage is similar to claims filed directly against at-fault drivers, being based on the specific economic and non-economic losses you have suffered from. A New London car accident lawyer can evaluate your case to include a comprehensive list of your damages in a claim, which may include losses such as:
- Medical expenses. Necessary medical expenses, including emergency medical services and ongoing care, are covered.
- Lost wages. Lost wages can include short-term lost wages due to the injury or long-term reduced earning capacity if you were left with a permanent disability.
- Pain and suffering. Both physical and mental pain and suffering are considered when determining compensation through uninsured motorist coverage.
- Property damage. Damage to your vehicle and other personal valuables can be covered.
FAQs
What Happens if an Uninsured Driver Gets Hit by an Insured Driver?
If an uninsured driver is hit by an insured driver, they still have the right to file a claim against the insured driver. While the insured driver’s coverage can cover the uninsured driver’s damages, the uninsured driver may face criminal charges. Driving without insurance is a misdemeanor in Connecticut, resulting in penalties such as a fine between $100 and $1,000 and license suspension.
Is It Worth Filing a Claim Against an Uninsured Motorist?
Yes, it is worth filing a claim, but typically through your own insurance provider’s uninsured motorist coverage rather than against the driver directly. A claim against an uninsured driver may not lead to enough compensation to cover your damages or justify the time and expense of a claim, especially if they have few assets. If you hire an uninsured motorist accident lawyer, they can advise you on whether directly filing a claim against the driver is the right option.
Do You Have to Prove That an Uninsured Driver Is at Fault to File an Uninsured Motorist Claim?
Yes, even though you are not filing directly against the driver, you have to prove that the uninsured driver was at fault to file an uninsured motorist claim in Connecticut. This is because Connecticut is an at-fault state, so proving you had less than 50% of the fault is necessary to recover damages. A lawyer can help you establish an uninsured driver’s liability by analyzing evidence from the accident, such as photographs, police reports, and witness statements.
What Is the Difference Between an Uninsured and an Underinsured Motorist?
The difference between an uninsured and an underinsured motorist is whether they have auto insurance. An uninsured motorist does not have any insurance, and your damages can be covered by your own uninsured motorist coverage. An underinsured motorist does have insurance, but it is not sufficient to cover your damages. Underinsured motorist coverage can close the gap between the underinsured motorist’s insurance and the remaining costs of your damages.
Speak With a New London Uninsured Motorist Accident Attorney Today
The aftermath of a car crash is stressful, with high financial costs and severe injuries that can threaten your future. When the other driver is uninsured, it only heightens concerns about your recovery and your ability to recover damages. At Suisman Shapiro, we can help you file an uninsured motorist accident claim. Contact us for a free case consultation to learn how we can work to pursue a full recovery despite an uninsured at-fault driver.
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