Uninsured Motorist Coverage — Connecticut
Uninsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured motorist coverage fills the gap when the at-fault driver has no insurance. If you're rear-ended by someone with no liability policy, your UM coverage pays your medical bills, lost wages, and vehicle damage up to your policy limits. Connecticut requires insurers to offer UM coverage at the same limits as your liability policy, but you can decline it by signing a written rejection form. Most suspended drivers facing reinstatement are quoted UM automatically and don't realize they can waive it to lower the premium.
Who Needs Uninsured Motorist Coverage Insurance?
You need UM if you're reinstating after suspension and cannot afford to pay medical bills out of pocket after an accident caused by someone else. Suspended drivers often lose health insurance or rely on high-deductible plans, so UM bodily injury functions as secondary medical coverage. If you're filing SR-22 and buying a non-owner policy, UM bodily injury is cheap and covers you in any vehicle you drive, including rentals and borrowed cars.
If you own a vehicle and don't carry collision coverage, keep UM property damage — it's your only protection against uninsured at-fault drivers who total your car. If you're on a non-owner policy, keep UM bodily injury and reject property damage.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your liability coverage limits — UM is offered at the same limits, so higher liability means higher UM cost.
- Whether you add UM property damage in addition to UM bodily injury — bodily injury is the base coverage, property damage is an additional line item in Connecticut.
- Your ZIP code and claims frequency in your area — higher uninsured driver rates in your region increase UM premiums.
- Your driving record and suspension history — carriers price UM the same way they price liability, so a DUI or suspended license filing raises UM cost proportionally.
- Whether you're buying a non-owner policy or a standard policy — UM on a non-owner policy costs less because property damage coverage is irrelevant without a vehicle to insure.
