Uninsured Motorist Coverage — Connecticut
Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or too little insurance to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage pays when the driver who hit you has no insurance. Underinsured motorist coverage pays when their liability limits are too low to cover your medical bills and vehicle damage. Both coverages step in after the at-fault driver's insurance is exhausted or confirmed absent, and they apply to hit-and-run crashes where the other driver is never identified. Connecticut bundles these as UM/UIM coverage and requires carriers to offer it at limits matching your liability coverage.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
You should carry UM/UIM coverage if you drive regularly in Connecticut, especially on highways or in areas with high uninsured driver rates. It's critical if you have significant medical expenses that health insurance won't cover, or if you can't afford to pay out of pocket for vehicle damage and medical bills after a crash. Connecticut's requirement to offer it at your liability limits reflects the state's recognition that uninsured and underinsured drivers are common enough to justify mandatory offering.
Compare the cost of UM/UIM to the financial impact of a crash with an uninsured driver. If your health insurance and collision coverage already handle those scenarios and you're comfortable covering any remaining gaps, you can reject UM/UIM in writing.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your UM/UIM limits — higher limits cost more, and Connecticut allows you to select limits up to your liability limits.
- Whether you stack coverage across multiple vehicles on the same policy, which increases the total available coverage and the premium.
- Your ZIP code and county — areas with higher rates of uninsured drivers see higher UM/UIM premiums.
- Your claims history with UM/UIM — prior uninsured motorist claims can increase future premiums.
- Whether you select uninsured motorist property damage coverage separately or rely on collision coverage for vehicle damage.
