Every time you get behind the wheel in Connecticut, you share the road with hundreds of other drivers. While most follow the law and carry insurance, not everyone does. According to industry studies, a significant percentage of drivers nationwide remain uninsured or underinsured. That’s where uninsured motorist coverage comes in—an essential part of protecting yourself and your finances.
What Is Uninsured Motorist Coverage?
Uninsured motorist (UM) coverage is designed to protect you if you’re in an accident with a driver who has no insurance. Instead of being left with the bill for medical expenses, lost wages, or other damages, your UM coverage steps in to help cover the costs.
Connecticut law requires that every auto policy includes uninsured and underinsured motorist protection, but drivers should understand exactly what it means and how it works.
Why It’s So Important in Connecticut
Even though Connecticut mandates insurance, not every driver complies. If you’re hit by someone without coverage, the financial consequences could be devastating. Without UM protection, you might be forced to pay for your own medical care and other expenses—even though the accident wasn’t your fault.
UM coverage also extends to underinsured drivers—those who have insurance but not enough to cover the full costs of an accident. In this situation, your policy makes up the difference, ensuring you’re not left in a financial hole.
Real-Life Scenarios
- Hit-and-run accidents: If the other driver can’t be identified, uninsured motorist coverage helps pay for your damages.
- Severe injuries: Medical bills can easily exceed the liability limits of an underinsured driver’s policy. UM protection bridges the gap.
- Peace of mind: Knowing you’re covered even in worst-case scenarios allows you to drive with confidence.
Protect Your Future on the Road
Uninsured motorist coverage isn’t just another line on your insurance policy—it’s a safety net for you and your family. At Petruzelo Insurance, we help Connecticut drivers understand their coverage options and make sure they have the protection they need.
Don’t take chances with your financial security. Contact Petruzelo Insurance today to review your auto policy and ensure you’re fully protected on the road.