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After a car accident, your insurance may pay to repair your vehicle and could cover some of your medical expenses regardless of who was at fault. The specific coverage available varies widely depending on the particulars of your policy and the laws of your state. If you’ve been injured in a collision caused by someone else’s carelessness, an attorney can ensure you get the full benefits you’re entitled to.

What Is Covered Under an Auto Insurance Policy

Damage to Your Vehicle

If your policy includes collision coverage, your auto insurer should pay for repairs to your vehicle, even if you were at fault for the accident. This coverage should also help if your car is damaged in a hit-and-run accident or you’re hit by a driver without sufficient coverage.

Medical Payments

car accidentMedical payments insurance covers the cost of healthcare for your injuries after an accident, up to the limits of the Med-Pay coverage. Although this specific coverage isn’t required in Connecticut, adding medical payments to your policy does provide considerable peace of mind, especially if you have health insurance with high deductibles or co-pays or have no health insurance.

Damage Caused by Uninsured Motorists

In addition to liability insurance, Connecticut drivers are required to purchase protection against damage and injuries caused by drivers who don’t have the minimum amount of liability coverage. The minimum coverage for uninsured or underinsured motorists in Connecticut is $25,000 per person and $50,000 per accident. You may want to get higher limits and/or conversion coverage for the underinsured motorist coverage. 


 

If you’ve been injured in a car accident through no fault of your own, the Law Office of Thomas L. Brayton III will aggressively pursue the compensation you deserve. He holds top ratings on AVVO® in 2019 thanks to his dedication to his clients and impressive track record of success. Visit his website to learn more about filing an injury claim after a car accident. To schedule a consultation at his Waterbury office, call (203) 591-8689. To visit his Bethlehem office, call (203) 266-7100.

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