In my experience of dealing with auto or motorcycle accidents in Southeast Connecticut,  Groton, Waterford, Ledyard, Norwich, Stonington, New London, Montville, Jewett City, Lyme, etc., I find that many or these injures are caused by uninsured motorists.  The good news is that Connecticut residents do have so-called uninsured motorist protection in their insurance policies, but they are only covered up to the limit of their liability policy.  Thus if you only have a $20,000.00 policy and you are badly injured, you are only covered for up to that amount.  Thus its always a good idea to increase your liability limits.  Even if you are injured while driving on the job where you bring a worker's compensation claim, you can still make an uninsured motorist claim when struck by someone who does not carry insurance.