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Connecticut Uninsured/Underinsured Motorist Accident Lawyer

Last updated on May 6, 2026

Being involved in a car accident where the at-fault driver has little coverage or no insurance can be overwhelming. Uninsured and underinsured motorist (UM/UIM) claims can protect you in these situations, but navigating them is not always straightforward. That is why working with a knowledgeable Connecticut uninsured motorist lawyer is so important.

At Mancini Law, our legal team serves UM/UIM victims in Watertown and across Connecticut. Our lawyers have extensive experience handling complex insurance claims. For this reason, our founding attorney, Nicholas Mancini, was named a Rising Star by Super Lawyers, an honor awarded to a few attorneys. Regardless of how complicated your case is, our skilled lawyers can provide you with legal options.

What Is The Difference Between Uninsured And Underinsured Motorist?

Uninsured Motorist coverage applies when the at-fault driver has no insurance or cannot be identified, such as in a hit-and-run. On the other hand, underinsured motorist coverage applies when the at-fault driver has insurance, but their policy limits are too low to cover your damages fully.

UM and UIM coverage are required under Connecticut law, C.G.S. § 38a-336, to compensate you for:

  • Medical expenses
  • Lost wages
  • Pain and suffering

Our lawyer can assist in filing UIM claims in Connecticut and negotiate for full uninsured motorist benefits.

What Are Connecticut Mandatory Minimums?

Connecticut’s law requires all drivers to carry minimum UM/UIM coverage of:

  • $25,000 per person
  • $50,000 per accident

While these minimums meet legal requirements, they often fall short since hospital bills alone can exceed $25,000. Since these Connecticut car accident insurance limits cannot cover the full damages, you may need higher coverage.

Pursuing Hit-And-Run Claims

In a Watertown hit-and-run accident, your Uninsured Motorist (UM) coverage can become a powerful tool for recovery. However, to preserve a claim, you must follow these critical steps:

  • Call 911 and file a police report
  • Seek medical attention to document injuries
  • Gather evidence at the scene
  • Consult a UM/UIM lawyer and notify your insurance promptly

Our Watertown hit-and-run lawyer can help ensure your claim is positioned for maximum recovery.

Talk To A Uninsured/Underinsured Motorist Accident Attorney Today

When the at-fault driver lacks or has insufficient coverage, our Connecticut Uninsured Motorist lawyer will fight for your rights. At Mancini Law, we help UM/UIM accident victims in Watertown, across Litchfield County and the entire state of Connecticut. Call 860-325-7347 or use our online contact form to schedule your free consultation. Let us take care of the details so you can focus on healing.