All states require drivers to carry varying amounts of automobile insurance to compensate others for damages sustained in an accident. However, many people defy these mandates and drive without the required coverage. As the auto accident attorneys at Peck & Peck Attorneys At Law explain, Connecticut drivers injured by those with little or no insurance may have a difficult time collecting compensation without the help of experienced legal professionals.

To protect you against these types of damages, Connecticut law requires every driver to carry Uninsured/Underinsured Motorist (UM) coverage as part of their auto insurance policy. In addition to the mandated liability coverage, you also have to have a UM policy covering at least $40,000 for any one accident, but $20,000 for any single person in the accident. If the other driver's insurance coverage can't adequately compensate you for your losses for any reason, your own insurance will make up the difference.

In Connecticut, drivers are allowed to purchase additional UM coverage to provide additional protection, with a maximum totaling twice your liability coverage. For example, if your auto insurance policy includes $250,000 of liability coverage, you have the option of adding $500,000 of UM insurance. In general, providing this additional layer of protection for yourself and your family, along with the legal help of a personal injury attorney, is a good idea, especially since uninsured motorists are typically at fault in automobile accidents.

If you've been involved in an accident and suffered serious injuries, having a skilled personal injury attorney on your side will increase the amount of the insurance settlement and significantly speed up the process. Visit Peck & Peck Attorneys At Law online now to see their full list of legal services, or call the personal injury attorneys at (860) 236-4782 and schedule a consultation today.