Uninsured and Underinsured Motorist Coverage in Connecticut: What You Need to Know

Quick answer: In Connecticut, uninsured motorist coverage and underinsured motorist coverage are both mandatory. Minimum limits are $25,000 per person and $50,000 per accident, and a “matching rule” ties your UM/UIM limits to your liability coverage unless you sign a written waiver to reduce them.

Getting hit by a driver with little or no insurance is more common than most people realize. Without adequate protection, the financial consequences can be severe — especially when injuries are serious. 

Fortunately, Connecticut law requires all drivers to carry uninsured motorist coverage and underinsured motorist coverage. Here’s what you need to know to make sure you’re truly protected.

What Are the Mandatory UM/UIM Limits in Connecticut?

Connecticut law requires a minimum of $25,000 per person and $50,000 per accident in UM/UIM bodily injury coverage. These limits apply whether you’re injured by an uninsured driver, an underinsured driver, or a hit-and-run driver.

What Is the Connecticut “Matching Rule”?

By default, your UM/UIM coverage must equal your own bodily injury liability limits — this is known as the matching rule. So if you carry $100,000 per person in liability coverage, your UM/UIM limits automatically match that amount. The only way to reduce your UM/UIM limits below your liability limits is to sign a written waiver with your insurer.

Standard (Offset) Coverage vs. Conversion Coverage: What’s the Difference?

Not all UIM coverage works the same way. Connecticut drivers can choose between two types:

• Standard (offset) UIM coverage pays the difference between your UIM limit and the at-fault driver’s liability limit. For example, if your UIM limit is $100,000 and the at-fault driver carries $25,000, your insurer pays up to $75,000.
• Conversion coverage is an optional upgrade that pays on top of the at-fault driver’s policy, rather than offsetting it. Using the same example, conversion coverage would allow you to collect up to $125,000 combined — a significant difference if you’re facing surgery, hospitalization, or long-term rehabilitation.

For serious injuries, conversion coverage can be the difference between full compensation and a substantial shortfall.

What Is the Statute of Limitations for UM/UIM Claims in Connecticut?

Under Connecticut General Statute Section 38a-336(g), you generally have three years from the date of the accident to initiate a UM/UIM claim or file a lawsuit. Missing this deadline can forfeit your right to compensation entirely, regardless of how strong your case may be.

Why You Shouldn’t Skimp on UM/UIM Coverage

Reducing your UM/UIM limits might lower your premium slightly, but the tradeoff carries real risk. Many at-fault drivers in Connecticut carry only the state minimum liability coverage. If your injuries require surgery or extended medical care, $25,000 runs out fast.

Reviewing your policy limits with your provider ensures your coverage reflects your actual financial exposure—not just the legal minimum.

Injured by an Uninsured or Underinsured Driver? Contact Jacobs & Dow, LLC

If you’ve been hurt in a collision caused by an uninsured or underinsured driver in Connecticut, the attorneys at Jacobs & Dow, LLC are here to help. Our team can review your policy, explain your rights, and fight to recover the compensation you deserve.

Contact Jacobs & Dow, LLC today to schedule a consultation.

Frequently Asked Questions

Is uninsured motorist coverage required in Connecticut?

Yes. Connecticut law mandates both uninsured motorist coverage and underinsured motorist coverage for all drivers. The minimum required limits are $25,000 per person and $50,000 per accident.

What happens if I’m hit by a hit-and-run driver in Connecticut?

Hit-and-run accidents are treated the same as uninsured motorist claims in Connecticut. Your UM coverage can compensate you for injuries and related losses.

How does conversion UIM coverage differ from standard UIM coverage?

Standard UIM coverage offsets the at-fault driver’s policy — meaning it pays only the gap between their limits and yours. Conversion coverage pays in addition to their policy, allowing you to collect from both, up to your combined limits.

Can I lower my UM/UIM limits below my liability limits in Connecticut?

Yes, but only by signing a written waiver. This is generally not recommended, as it leaves you exposed if the at-fault driver’s coverage is insufficient.

How long do I have to file a UM/UIM claim in Connecticut?

Under Connecticut General Statutes § 38a-336(g), you typically have three years from the date of the accident to file a claim or initiate a lawsuit.