Question 1

Does Connecticut allow UM/UIM stacking?

Accepted Answer

No. Under Gen. Stat. 38a-336(d), regardless of the number of policies, vehicles, premiums or persons covered, the limit of liability for uninsured and underinsured motorist coverage applicable to two or more vehicles under the same or separate policies may not be added together for any one accident.

Question 2

How does Connecticut decide that a driver is underinsured?

Accepted Answer

By comparing limits. Without conversion coverage, an underinsured vehicle is one whose liability limits add up to less than the uninsured motorist limit of the policy you claim against (38a-336(e)). With conversion coverage, it is one where what you received is less than your fair, just and reasonable damages (38a-336a(e)).

Question 3

How much does UIM pay?

Accepted Answer

Up to your UM/UIM limit after the at-fault driver's liability limits are exhausted, but the total from all policies including UIM may not exceed that limit (38a-336(b)). With conversion coverage, UIM is not reduced by payments from the at-fault driver or any third party.

Question 4

How long do I have to bring a UM/UIM claim?

Accepted Answer

The policy cannot limit the time to sue or demand arbitration to less than three years from the date of the accident. For an underinsured claim you can toll the period by written notice to your insurer and then sue or demand arbitration within 180 days after exhaustion of the other driver's limits (38a-336(g)).

Question 5

Can I turn down UM/UIM coverage completely in Connecticut?

Accepted Answer

The statute lets a named insured request a lesser amount in writing after signing an informed consent form, but not less than the minimum bodily injury limits of $25,000 per person and $50,000 per accident (38a-336(a)(2); 14-112(a)). We found no provision that allows rejecting it altogether.

Connecticut UM/UIM Stacking Calculator

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Connecticut bans stacking by statute

Connecticut UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Connecticut bans stacking by statute

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