If the at fault driver does not have enough insurance, you can make an underinsured motorist claim.  But you must first collect whatever insurance exists from the at fault driver.  And your underinsured motorist claim will get a credit for the amount of insurance you receive from the at fault driver.  Therefore, your damages must exceed the amount of liability coverage that the at-fault driver has, and your underinsured motorist coverage must also exceed the liability coverage of the at fault driver.   It is in your best interest to have a large amount of underinsured motorist coverage because that is the only protection that you have if you suffer a large injury from someone with not enough insurance to pay for the claim. 

If you or anyone you know has a question about underinsured motorist insurance we invite you to call the underinsured motorist claim lawyers at The Bartinik Law Firm PC, 100 Fort Hill Road, Groton, Connecticut at 860 445 8521 or toll free at 888 717 4211.

Peter J. Bartinik, Jr.
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Civil Trial Attorney, Practicing Law in Connecticut
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