Know What Insurance You Are Buying
I have countless personal injury clients come into my office claiming they have “full coverage.” I’m not sure where this term was derived from – most likely an unscrupulous insurance salesman. Usually, this term means only “minimal coverage.”
In Connecticut, the minimum coverage is $20,000 per person and $40,000 per accident. This limit has not changed in 30 years. What does that tell you? It doesn’t cover too much these days.
1. BI Coverage
As a personal injury attorney, I urge you all of you to protect you and your family by increasing your bodily injury limits. If you don’t you put your assets at risk if you injure someone in an accident. Consider limits of $100,000/$300,000 or even $300,000 or $500,000.
2. Underinsured Motorist Coverage
Never decease your uninsured motorist coverage. This coverage is for you. If the driver who injures you in a motor vehicle accident has minimal or no coverage, you and your family will not be protected. Connecticut passed some “reforms” recently which allows you to decrease your coverage in exchange for a lower premium. Resist the urge to lower this coverage. In fact, you should take advantage of the option to double this coverage. Remember, this coverage is for you if you are injured in a motor vehicle accident.
If you have any questions about your coverage email a personal injury attorney at firstname.lastname@example.org or call 203-541-0090