Uninsured & Underinsured Motorist Accident Lawyers in Connecticut
RisCassi & Davis, P.C. Is Here to Help
Many of the motor vehicle cases RisCassi & Davis, P.C. handles, in
addition to presenting potentially complicated legal, medical, and factual
issues, often present fairly complex issues of insurance coverage. What’s
more, insurance companies and their attorneys work hard to limit what
they are expected to pay out when an accident occurs.
In some cases, the insurance coverage of a liable (at-fault) driver is
inadequate to compensate our clients for the harm caused by the negligent
driver, sometimes making it necessary to make a claim against the uninsured
and underinsured coverage of our client’s own automobile insurance policy.
Call our Connecticut uninsured motorist accident attorneys at (860) 245-2412 today to schedule your free initial consultation.
What Is Uninsured & Underinsured Motorist Coverage?
All automobile liability insurance policies issued in Connecticut are required
to provide various types of coverage, including property damage and personal
injury liability coverage, as well as uninsured and underinsured coverage.
This insurance protects insured consumers and all resident family members
of the same household against the risk of being injured in a motor vehicle
collision with an at-fault driver who either has no insurance coverage
or inadequate coverage on his or her motor vehicle.
This insurance can also protect insured consumers from the risk of suffering
losses caused by a hit and run driver, a driver who negligently forces
them off the road or into another vehicle and leaves the scene of the
accident, or from injuries suffered from equipment or cargo ejected from
What You Can Expect From An Accident With An Uninsured or Underinsured Driver
In accidents like these, we turn to your own insurance policy to determine
if there is coverage that can be accessed to provide compensation for
One of our partners, Michael Jainchill, is a leading legal expert on cases
like these and will be part of your legal team. He is also the co-author
of Connecticut Law of Uninsured and Underinsured Motorist Coverage, published
by The Atlantic Law Book Company, now in its Fourth Edition. The Connecticut
Supreme Court has referred to this book as the leading book in the field
of uninsured and underinsured motorist law.
How Uninsured & Underinsured Coverage Works
Uninsured motorist claims may arise out of unusual circumstances. For example,
we have successfully pursued claims in situations where a tire and rim,
improperly secured in the bed of a pickup truck flew off and hit a car
operated by one of our clients causing significant injuries. In another
instance, a tire and rim flew off the axle of a tractor-trailer, striking
the motor vehicle of one of our clients, again causing serious injuries.
In these cases, since the responsible drivers could not be identified,
we were able to secure coverage for our clients from their own coverage.
If you are riding a bicycle or motorcycle, or walking across the street
and are injured due to the negligence of an uninsured driver, or if you
are struck by a vehicle which flees the scene of the accident, we can
help you make a claim to your policy’s uninsured motorist protection.
Cases Involving Underinsured Drivers
If you are injured by a driver who has inadequate liability insurance coverage
to pay for your medical bills, lost wages, and injuries, there may be
the potential for an underinsured motorist claim, depending upon the amount
or type of coverage you have purchased. Given that there are various types
of underinsured motorist coverage, for example, Underinsured Motorist
Conversion Coverage, it is often useful to have your insurance coverage
documents reviewed by an attorney familiar with this complex area of the law.
Accident cases can be very complex. Protect yourself and your family. Contact our underinsured motorist accident lawyers in Connecticut today to learn more about your options.