A car collision along Worthington Ridge, Farmington Avenue, or another stretch of road in Connecticut can cause losses that extend well beyond vehicle damage. Without adequate uninsured motorist coverage, you could face significant financial losses if the at-fault driver does not have enough insurance to compensate you. Anyone seeking additional financial protection may be wondering, “How much uninsured motorist coverage do you need in Connecticut?”
What Are Connecticut’s Minimum Uninsured Motorist Coverage Requirements?
Connecticut requires all insurance carriers within the state to offer uninsured and underinsured motorist coverage. To balance claimants’ financial needs with the potential cost of a high-value policy, the state mandates minimum coverage requirements.
As of 2026, Connecticut drivers must carry at least $25,000 per individual and $50,000 per incident in uninsured/underinsured motorist coverage. Drivers are permitted to purchase higher limits for additional financial protection if they are injured by someone who is uninsured, underinsured, or involved in a hit-and-run collision.
Given that roughly one in seven drivers in the country are uninsured, according to a 2025 Insurance Research Council report, this state law is designed to protect drivers from unexpected financial hardships.
How Much Uninsured Motorist Coverage Should You Carry?
Connecticut recorded more than 65,000 vehicle crashes through October 14, 2025, according to Connecticut Department of Transportation data, and uninsured drivers can cause collisions that leave drivers and passengers contending with unexpected hardships and medical treatments at Hartford Hospital, Bridgeport Hospital, or other treatment centers in the state.
Understanding how much uninsured motorist coverage you should carry requires consideration of the following factors.
- The value of your vehicle
- Your savings and ability to pay insurance deductibles
- The type of health insurance coverage you have
- Your income and potential for lost wages
- Your existing financial obligations
- The potential cost of long-term medical care or rehabilitation
By considering a worst-case scenario and your ability to manage that situation comfortably, you can determine an amount that reflects what you would reasonably need if you were struck by an uninsured or underinsured driver.
What Happens If I Am Struck by an Uninsured Motorist?
Connecticut is an at-fault state, meaning that the person who strikes you is liable for the damage and harm they cause. If you are struck by someone who is uninsured, your compensation may come through your own uninsured motorist coverage. Every policy in the state is required to carry some level of protection from uninsured driver collisions.
Suppose your insurance carrier is cooperative and offers a fair settlement. That could resolve the claim. Often, injured drivers and passengers find that insurance companies are less than cooperative. If you find yourself struggling to secure a fair offer from your insurer, an attorney can help you explore your options.
Hire an Uninsured Motorist Accident Lawyer
Connecticut had more than 2.6 million licensed drivers in 2024, according to the Federal Highway Administration, and unfortunately, a portion of those drivers fail to secure adequate liability insurance. In the aftermath of a collision involving an uninsured driver in Westville, Black Rock, Frog Hollow, or another community in the state, your top priority should be to hire an uninsured motorist accident lawyer to manage your claim.
A Connecticut uninsured motorist accident attorney can protect your uninsured motorist accident claim by gathering evidence and pursuing compensation through the appropriate means. Connecticut’s uninsured motorist accident laws could lead to a civil court claim seeking compensation from your own insurance policy or directly from the at-fault driver. With strong legal support, a fair settlement can address the harm and setbacks you suffered from the wreck.
FAQs
What Is a Reasonable Amount of Uninsured Motorist Coverage?
State law already establishes what a reasonable amount of coverage should look like, but this amount may not fully shield someone from financial losses in the event of a serious collision. Consider your income, savings, medical coverage, and other financial resources when selecting your limits. Carrying coverage above Connecticut’s minimum requirements can provide additional protection if an uninsured driver causes significant injuries and losses.
Is Uninsured Motorist Coverage Mandatory in CT?
Drivers are required to carry motorist liability coverage, and automobile insurance policies must provide uninsured and underinsured motorist coverage in Connecticut. State requirements establish that drivers must carry minimum coverage limits of $25,000 per individual and $50,000 per incident. Drivers can purchase coverage above these minimum amounts if they want additional financial protection from collisions caused by motorists who lack adequate insurance.
What Factors Should You Consider When Choosing UM Coverage Limits?
When choosing UM coverage limits, consider the value of your vehicle and your ability to comfortably pay for deductibles. Keep in mind that a serious car wreck could leave you facing a long recovery and missing work. Your income, savings, health insurance, financial obligations, and potential need for long-term medical treatment can also help you determine how much protection you reasonably need.
Can You Increase Your Uninsured Motorist Coverage Limits?
You can increase your uninsured motorist coverage limits by contacting your insurance carrier and inquiring about your options. Keep in mind that an increase in coverage will come with a bump in your insurance premiums. Comparing the cost of higher limits with the additional financial protection they provide can help you determine which level of coverage fits your needs and budget.
Connecticut Uninsured Motorist Coverage Lawyer
If you are struck by an uninsured motorist, your own insurance policy could provide you with the compensation that you need to rebuild and pay for medical bills. The Connecticut personal injury lawyers at Weber & Rubano bring more than seven decades of combined legal experience when representing clients. We understand the challenges that our clients face when dealing with a wreck that involves an uninsured motorist.
When you work with our law firm, you are connected to some of the top attorneys in the state. Our lawyers are frequently recognized by groups like Super Lawyers,* and they maintain memberships with the Connecticut Bar Association and Connecticut Trial Lawyers Association to stay up to date on the latest developments in personal injury law. Contact our office today.
*Past awards do not guarantee future outcomes. Criteria vary by organization.
