- “They go above and beyond for their clients and always have the best interest of their clients in the forefront.”
- “From the first meeting I knew I was in good hands with the Reardon Law Firm.”
- “For piece of mind hire a reputable Attorney and firm. I did, The Reardon Law Firm.”
It can be scary to learn that the driver who caused an accident doesn’t carry enough insurance to cover your damages. However, there are alternative legal options that can help you recover compensation. Underinsured motorist claims in Connecticut can be an important source of compensation when a negligent driver causes an accident but doesn’t carry enough liability coverage.
What Is Underinsured Motorist Coverage?
Underinsured motorist (UIM) coverage is insurance coverage that applies when the at-fault driver’s liability insurance is not enough to compensate the accident victim for their losses. In Connecticut, having this insurance is mandatory.
Under Connecticut’s underinsured motorist laws, you should carry at least $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
If you can prove that the at-fault driver’s liability coverage is insufficient to cover all your damages caused by a crash, you may file a UIM claim. This claim is through your own insurance provider, rather than against the driver’s.
Why Underinsured Motorist Coverage Is So Important
Motorcycle accidents are notorious for involving catastrophic injuries, extensive property damage, and even fatalities. Riders face a high risk, with motorcyclists making up 16.2% of all traffic fatalities in the United States. In Connecticut, 2,564 people were involved in motorcycle accidents in 2025.
After an accident, you may recover several different types of damages, including:
- Medical expenses. The cost of emergency medical services, hospital stays, surgeries, rehabilitative services, and other medical care can all be included in a claim.
- Property damage. The cost of repairing or replacing your personal property, including your motorcycle, helmet, and other belongings, can be covered by compensation.
- Emotional trauma. The mental and emotional impact of a crash is considered when determining fair compensation in a motorcycle accident case.
- Lost wages. Many accident victims lose income due to taking time off for their recovery or due to their injury leaving them with a disability. Lost wages can be included in a claim.
These damages can easily exceed the at-fault driver’s liability coverage, especially if your injury leaves you with a permanent disability or with long-term care needs. In this situation, the cost of lifelong care, loss of earning capacity, lowered quality of life, and the impact on loved ones may all greatly increase the value of your claim.
Because so many motorcyclists experience significant losses, underinsured motorist accident cases often involve UIM claims.
Hire an Underinsured Motorist Accident Lawyer
Due to our commitment to providing strategic representation and steadfast guidance throughout a claim, our attorneys at The Reardon Law Firm, P.C., have received several awards and recognitions from different organizations. This includes being recognized by AV Preeminent, Super Lawyers, and Best Lawyers.*
At The Reardon Law Firm, P.C., we seek to help you move forward after suffering from a traumatic accident, even if the path towards compensation is more complex. Contact us to set up a consultation where you can learn how we can help you pursue the compensation you need.
*Awards and recognition are not guarantees of future results.
