Why Does Connecticut's Minimum 25/50/25 Insurance Coverage Under § 38a-335 Leave Most Accident Victims Undercompensated? - Dan Petroskey

From DeFronzo & Petroskey, P.C. - Why Does Connecticut's Minimum 25/50/25 Insurance Coverage Under § 38a-335 Leave Most Accident Victims Undercompensated? breaks down how Connecticut’s minimum auto insurance requirements can leave injured drivers and passengers in Waterbury and across New Haven County facing major financial gaps after a serious crash. This episode explains what 25/50/25 coverage means under C.G.S. § 14-112 and C.G.S. § 38a-335, why those limits often fail to match the real cost of medical care and property damage, and what accident victims need to know when the at-fault driver carries only the minimum policy.

Listeners will hear how even routine emergency treatment, hospital stays, surgery, lost wages, and vehicle replacement costs can quickly outpace the $25,000 per-person bodily injury limit and $25,000 property damage cap. Drawing on data referenced from the National Highway Traffic Safety Administration and the Centers for Disease Control and Prevention, the podcast highlights why these minimums can leave crash victims undercompensated long before they have fully recovered.

The episode also explores the protections available under Connecticut law, including uninsured and underinsured motorist coverage under C.G.S. § 38a-336, underinsured motorist conversion coverage under C.G.S. § 38a-336a, and the possibility of pursuing a personal injury lawsuit against a negligent driver when insurance proceeds are not enough. It also explains how Connecticut’s modified comparative negligence rule under C.G.S. § 52-572h can directly affect compensation, especially in cases filed in the Waterbury Judicial District at Waterbury Superior Court.

Featuring insight tied to the work of Waterbury car accident attorney Dan Petroskey, this podcast outlines practical steps drivers can take to better protect themselves, including reviewing UM/UIM limits, considering conversion coverage, adding MedPay, and exploring umbrella insurance. DeFronzo & Petroskey, P.C. brings its long-standing commitment to the Waterbury community to this discussion for anyone trying to understand insurance coverage gaps, personal injury claims, and the path to fuller financial recovery after a Connecticut car accident.

DeFronzo & Petroskey, P.C.

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

(203) 756-7408

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