Automobile collisions that involve an uninsured driver can raise complex legal questions. Knowing where to file and how uninsured motorist coverage works in Connecticut are key first steps for anyone seeking compensation for physical injuries and vehicle damage. At every step of the claims process, having legal support can prove crucial to protecting your eligibility to pursue a fair settlement.
What Is Uninsured Motorist Coverage in Connecticut?
No one starts their day out in downtown New Haven, Wooster Square, East Rock, or elsewhere in Connecticut planning to be struck and injured by an uninsured motorist. When someone is struck by an uninsured driver, the injured party can turn to their own policy for financial support.
Unlike states where a driver can decline uninsured motorist coverage, state law in Connecticut requires automobile insurance providers to include uninsured motorist coverage in all their policies. In 2025, Connecticut had about 7,200 speeding-related crashes, resulting in more than 2,300 injuries and 89 deaths, and collisions can involve uninsured motorists. Uninsured drivers remain a significant concern nationwide.
A 2025 Insurance Research Council report found that more than one in seven U.S. drivers were uninsured, while roughly one in three were either uninsured or underinsured. To protect drivers from the financial hazards of collisions involving uninsured drivers, vehicle operators must carry minimum insurance coverages of $25,000 per individual and $50,000 per incident specifically to cover uninsured/underinsured motorists. This protects against drivers who are uninsured or do not have enough insurance.
Uninsured motorist coverage provides compensation that an insured driver would typically pay out following a collision. A settlement could address medical bills, lost wages, disability, and even non-economic damages tied to pain and suffering. In the aftermath of a collision, a fair payout from your own insurance company can provide critical relief during a challenging time.
How Do You File an Uninsured Motorist Claim in Connecticut?
To file an uninsured motorist claim in Connecticut, you should notify your insurance company about the collision as soon as possible. Provide information about the crash, your injuries, medical treatment, and the other driver’s insurance status.
Your insurer may also request the police report, medical records, photographs, and other supporting evidence. Connecticut is an at-fault state, which means providing evidence that the uninsured driver caused the collision can be important.
Your insurance company will investigate the claim and determine whether your UM coverage applies. Complex cases may involve a civil court filing seeking full compensation for the harm you suffered.
Can Injured Drivers Face Challenges When Pursuing Compensation for an Injury?
Many policyholders are surprised to find that dealing with their own insurance carriers can lead to challenges and setbacks. Whether you are negotiating with your own company or that of another driver, these are for-profit companies that focus on their bottom line. They may take steps to downplay the harm you suffered or to dispute liability. Any steps they take to diminish the value of your claim can potentially save them money.
For these and other reasons, anyone seeking compensation through direct negotiations with one of these companies should consider hiring an attorney who understands the injury claims process and how to hold insurance companies to the terms of their own policies. If litigation against your own insurer or the at-fault driver becomes necessary, your attorney can manage that process.
Hire an Uninsured Motorist Accident Lawyer
Being struck along North Broad Street, Shunpike Road, or elsewhere in Connecticut by an uninsured driver can lead to complex liability questions and challenges. When you hire a Connecticut uninsured motorist accident lawyer, you gain steadfast support from a lawyer who understands the state’s uninsured motorist accident laws and how to carefully manage your claim.
With insurance companies often focusing on their profits more than helping claimants, securing support from a Connecticut uninsured motorist accident attorney should be your top priority. The outcome of your uninsured motorist accident claim should not be decided by a self-interested company. With strong legal support from Weber & Rubano, you can reclaim what you lost due to a collision. Our law firm brings more than 75 years of combined legal experience to these cases.
FAQs
Who Pays When You Are Hit by an Uninsured Driver?
Who pays for a collision when you are hit by an uninsured driver can depend on your available insurance coverage. In Connecticut, your uninsured motorist coverage can provide compensation for covered losses when an at-fault driver has no insurance. Your insurer will typically investigate the collision, determine fault, and evaluate your documented losses.
What Does Uninsured Motorist Coverage Not Cover?
Uninsured motorist coverage may not cover damage to your vehicle or other personal property because Connecticut’s required UM coverage applies to bodily injury. Coverage is also subject to the terms and limits of your individual policy. Reviewing your policy can help you understand which losses are covered following a collision with an uninsured driver.
What Happens If Someone Drives Without Insurance in CT?
If someone drives without insurance in Connecticut and causes a collision, they can face penalties for failing to maintain required coverage and may be financially responsible for the resulting harm. An injured person may also be able to pursue compensation through their own uninsured motorist coverage when the at-fault driver does not have applicable automobile insurance.
How Can Uninsured Motorist Coverage Protect You After a Crash?
Uninsured motorist coverage can protect you after a crash by providing compensation for covered losses when an at-fault driver has no insurance. Depending on the circumstances, coverage can address medical expenses, lost wages, disability, pain and suffering, and other injury-related losses, subject to your policy’s terms, exclusions, and applicable coverage limits.
Connecticut Uninsured Motorist Lawyer
If you were struck by an uninsured driver, you need representation and support from a law firm that gets results. Weber & Rubano brings more than 75 years of combined legal experience to handling complex injury claims. Our attorneys and support staff commonly work collaboratively to address the challenges that our clients are facing.
Our founding partner, Louis Rubano, is an experienced trial attorney who approaches every case he handles with a focus on thoroughly preparing for every potential eventuality or challenge that he could face. He notably secured $45 million in a claim filed against the City of New Haven. *
You do not have to go through your case alone. Contact our office today to schedule your consultation and gain the exceptional legal support that your case deserves.
*Past results are not a guarantee of future outcomes. Every case is unique.
