Posted on Oct 01, 2020
The Importance of Uninsured / Underinsured Motorist Coverage

After the initial trauma of a car wreck, the concerns of insurance coverage are real. Does the party at-fault have insurance and is it enough to fully compensate for all injuries and losses? Will there be adequate coverage to fully cover future medical care, lost wages at work, and permanent injuries?

Connecticut law requires insurers to sell you Uninsured and Underinsured (UM/UIM) Coverage of at least $25,000 per person and $50,000 per accident. You can buy more coverage than the minimum, which is strongly recommended because often the responsible party’s coverage is insufficient.  The number of uninsured/underinsured drivers in the state of Connecticut is significant. UM/UIM insurance covers you and family members in your household. This coverage protects you from an uninsured or underinsured driver.

How does UIM (Underinsured Motorist) Coverage Work?

When you are in a wreck with an underinsured driver, you must exhaust their insurance coverage and then seek additional damages in the amount of your UIM coverage. Your UIM coverage will be credited for what was paid by the responsible party.

Let’s say you are hit by a driver and severely injure your shoulder, requiring surgery. The driver had insurance in the amount of the state minimum ($25,000 per person / $50,000 per accident). You have UIM coverage in the amount of $100,000 per person / $300,000 per accident. After you collect $25,000 from the underinsured driver, you can collect up to $75,000 from your UIM coverage, for a total of $100,000.

Let’s take the same example but you only have the minimum required for UIM coverage, $25,000 per person/$50,000 per accident. You can only collect the maximum from the other driver and cannot get anything rom your UIM coverage because you already received $25,000 from the driver’s insurance. 

Contact Buckley Wynne & Parese if you were involved in an accident with an underinsured or uninsured motorist to know your rights!

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Client Reviews of Our Personal Injury Attorneys

    Friendly, professional and VERY responsive!

    Friendly, professional and VERY responsive!

    Attorney John Buckley was highly recommended to me by quite a few people and upon my first meeting to discuss my case, I knew immediately that I was in good hands. He took his time to explain everything to me in great detail and stayed in communication throughout my entire case. His staff was also extremely friendly, professional and VERY responsive! I actually never had to reach out about my case because they over-communicated with me from beginning to end. My accident was very unfortunate, but I’m extremely grateful I was working with Attorney Buckley through it all! I highly recommend this law firm!!!

    - Jamie B.

    Respectful, extremely knowledgeable, & understanding

    Respectful, extremely knowledgeable, & understanding

    Recently engaged BWP concerning a motor vehicle accident. From the initial consult, and continuing throughout the entire process, John Parese and the entire staff were respectful, extremely knowledgeable, understanding of my goals and supportive to work towards achieving the best possible outcome. It was a very seamless, friendly relationship and a firm that I would highly recommend to anyone.

    - Robert T.

    Couldn’t have been happier with the services I received!

    Couldn’t have been happier with the services I received!

    I contacted BWP in June 2019, after I was hit by a drunk driver. John Wynne was my attorney. I couldn’t have been happier with the services I received. Everyone I dealt with was very professional and made sure I had all the help I needed. I highly recommend this law firm.

    - Valerie

    Quick and consistent

    Quick and consistent

    John Buckley was quick and consistent in relaying information to me regarding litigation, and he and his staff were always very supportive of any requests I made. John’s experience and strategic expertise made the difference in dealing with the insurance company, and we achieved the best possible outcome thanks to his vigilance. Cannot recommend BWP highly enough!

    - Richard

    Thorough, caring, and patient

    Thorough, caring, and patient

    I don't have the words to describe how wonderful John Parese was to work with. He took my family and I under his wing during a difficult time. He was by our side for 3 years while I was treated. He was thorough, caring, and patient. He was always there to answer questions and made us feel that he was in our corner. John explained our options and walked us through the process many times. It was WAY outside of my comfort zone to go to litigation, but he believed in me and my case. He was phenomenal in court and I was very proud to be part of his team. We are forever thankful and would recommend him to anyone!

    - The Yanellis

    Kind, patient, honest and extremely knowledgeable

    Kind, patient, honest and extremely knowledgeable

    John Parese is an excellent attorney who provided care that was needed at an extremely difficult and a long period of time. He and his team are very dedicated and gave professional guidance in various aspects. I am very grateful for having received a degree of release for the painful accident, and trauma which was unfortunate and terrifying. Mr. Parese is very kind, patient, honest and extremely knowledgeable. I'd highly recommend his help to people in need.

    - Xueping Q.

    Two thumbs up!

    Two thumbs up!

    John Parese is an amazing attorney! He constantly checked in with me to make sure I was feeling better after my accident and gave me updates on where we were in the process. I never doubted that I was in good hands. Thank you John and also to your team! Two thumbs up!

    - Kristen R.

    Wonderful staff.

    Wonderful staff.

    Wonderful staff. They gave the impression that they really care for their clients. I will call on them again if I need in the future.

    - Kelly B.

    Excellent attorney who always fights to protect his clients

    Excellent attorney who always fights to protect his clients

    John has assisted me with several issues. He is an excellent attorney who always fights to protect his clients. I was able to recover medically knowing John was fully handling the insurance and issues with my case. I will continue to use him in the future.

    - Danielle Q.

    Very professional and his team is wonderful!

    Very professional and his team is wonderful!

    Attorney Parese helped me with my car accident. He is very professional and his team is wonderful. I highly recommend his services for car accidents!!! Thank you John.

    - Walter P.