Can I Stack Multiple Insurance Policies for Underinsured Motorist Coverage in Connecticut Under § 38a-336? - Dan Petroskey

From DeFronzo & Petroskey, P.C. - Can I Stack Multiple Insurance Policies for Underinsured Motorist Coverage in Connecticut Under § 38a-336? explores how Connecticut law governs UM/UIM coverage, why stacking is generally prohibited, and the narrow circumstances where multiple policies may still come into play. Centered on the realities drivers face after a car accident, this episode breaks down complex statutes like CGS § 38a-336 and Public Act 93-297 into practical insights for injured motorists.

Featuring insights tied to Waterbury car accident attorney Dan Petroskey, Esq., the discussion highlights how courts, including decisions like Chmielewski v. Aetna Casualty and Surety Co. and Lane v. Metropolitan Property & Casualty Ins. Co., interpret anti-stacking rules. Listeners will gain clarity on intra-policy vs. inter-policy stacking, how Connecticut insurers share payment obligations, and why your recovery is typically capped at the highest single policy limit.

The episode also dives into key alternatives, including Underinsured Motorist Conversion Coverage (UIMC) under CGS § 38a-336a, explaining how it can expand compensation beyond traditional limits. Real-world scenarios illustrate how liability coverage, UM/UIM limits, and conversion coverage interact, giving drivers in New Haven County and beyond a clearer understanding of their insurance options.

Finally, the podcast outlines actionable steps to take after an accident with an underinsured driver, including navigating claims, arbitration under § 38a-336(c), and filing within Connecticut’s statute of limitations under CGS § 52-584. With references to the Waterbury Superior Court and the Waterbury Judicial District, this episode serves as a practical guide for protecting your rights and maximizing recovery after a crash.

DeFronzo & Petroskey, P.C.

255 Bank St # 2b, Waterbury, CT 06702, United States

(203) 756-7408

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