What is an UnderInsured or UnInsured Motorist (UM) Claim?
If you are injured in a car accident and the driver that caused the accident did not have any or enough insurance, you can make a claim against your own insurance company; and if you were a passenger when you were injured, you can also make a claim against the insurance company that insured the car that you were in.
Why can you make such a claim? Because that is the law! Every car insurance policy in Connecticut requires the insurance company to provide UM benefits. The amount that you can make a claim for depends on the amount of UM coverage on your policy (or on the policy of the car in which you were a passenger).
And you should not feel bad about making such a claim because you every car insurance premium includes a line item for this coverage. Also, making such a claim cannot result in an increase in your future insurance premiums, because you were not responsible for causing the accident.