I Was Hit by an Underinsured Motorist…Now What?

I Was Hit by an Underinsured Motorist…Now What?

It’s a popular time to travel, but have you considered the ramifications of crossing state lines and your Connecticut car insurance?

Picture this: you are driving in a different state, even if you are still in the Northeast maybe in New York or New Hampshire and you get in an accident. Even worse, your car is parked while in a different state and someone hits it and runs. Different states have different rules and regulations when it comes to insurance and insurance limits.

Vermont and New Hampshire are two states that don’t require their residents to have car insurance. In the event that you are in an accident with someone from one of those states, you could end up having to pay for an accident that was not your fault. Yes, you read that right. It’s important to have uninsured and underinsured motorist coverage. This can help protect you in the above situations. Other states may have lower coverage requirements that may not make the cut for a lot of accident scenarios.

If they hit you and don’t have enough property damage coverage on their policy to fix your car, you would have coverage under your collision coverage. In the event that you are injured in the accident and they don’t have enough bodily injury coverage to cover your injuries, you could collect your bodily injury caused by uninsured/underinsured motorist.

Questions about your CT car insurance? Give us a call at 888.865.1244 and we can help answer questions about your policy or get you a quote insurance quote.

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