Too often in today's society, there are irresponsible automobile owners and operators who fail to carry the Connecticut minimum mandated $20,000/$40,000 of bodily injury liability insurance coverage. Automobile liability insurance coverage issues can be tricky and require an experienced car accident attorney with insurance law knowledge to properly assess coverage issues.
Your failure to get qualified and savvy automobile insurance law representation may result in you not collecting the fair, just, and full monetary damages that you deserve under the law.
Situations with uninsured motorist coverage can protect you:
The fact scenarios are endless. In fact, you may now have an uninsured motorist claim and have the opportunity to recover monetary damages through your own insurer. The Rotatori Law Firm can help you in complex matters of automobile insurance coverage and uninsured motorist law.
Peter Rotatori, III will:
To protect you as a member of the public from operators and owners of uninsured motor vehicles, Connecticut, under Conn. Gen. Stat. 38-336(a)(1), requires each automobile liability policy to also provide uninsured motorist coverage with limits not less than the minimum liability coverage limits of $20,000/$40,000.
Unless there is written proof of a proper "step down" request for a lesser uninsured motorist coverage amount with a proper informed consent form heading of twelve-point type, an automobile liability policy must have uninsured motorist coverage that equals the bodily injury liability coverage noted on the declaration page of the policy.
When a defendant wrongdoer fails to carry compulsory motor vehicle insurance, the injured plaintiff has an uninsured motorist insurance contract claim. That claim is primarily under the coverage of the occupied "host" vehicle auto policy and secondarily under the named insured's policy. Any other policies such as an umbrella policy clearly providing uninsured motorist coverage would be "excess" insurance coverage.
An uninsured motor vehicle can be defined as one of the following:
Under Conn. Gen. Stat. 38a-336(g) (1), no insurance company may limit any uninsured motorist suit or demand for arbitration to less than three years from the date of the accident.
Where, however, the automobile liability insurance company of the" wrongdoer" tortfeasor becomes insolvent or denies coverage, no insurance company doing business in Connecticut may limit the time to bring suit against it or make a demand for arbitration under the uninsured motorist provision of an automobile policy to a period of less than one year from the date of receipt by the insured of written notice of insolvency or denial of coverage from the automobile liability insurance company.
Feel free to contact Peter Rotatori, III of The Rotatori Law Firm at (203) 626-1446 if you have been in an automobile accident with a driver, owner, or operator who failed to have liability automobile insurance coverage in effect at the time of the motor vehicle accident.
Peter Rotatori, III can both advise you and help you recover proper monetary damages under Connecticut uninsured motorist law either by way of settlement or by way of lawsuit. The Rotatori Law Firm's office is located in Stamford and Southbury which is in New Haven County in between Litchfield and Fairfield County to better serve you. Schedule your free consultation today.
If you are in Southbury, Stamford, or any of the surrounding areas, contact our firm today!