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- Connecticut requires uninsured/underinsured motorist (UM/UIM) coverage.
- Conversion coverage is an optional upgrade to standard UIM coverage.
- It allows you to collect full policy limits without subtracting the at-fault driver’s liability payment.
- Conversion coverage typically costs more than standard UIM.
- It can significantly increase your payout after serious accidents.
What is uninsured motorist conversion coverage in Connecticut?
Uninsured motorist conversion coverage is an enhanced form of underinsured motorist (UIM) coverage available in Connecticut. Standard UIM coverage pays when:
- The at-fault driver has no insurance or
- The at-fault driver’s liability limits are too low to cover your damages.
However, with standard UIM coverage, your insurer typically reduces your payout by the amount you receive from the at-fault driver’s policy. Conversion coverage changes that.
With uninsured motorist conversion coverage:
- Your insurer does not reduce your payout by the at-fault driver’s liability limits.
- You may recover up to your full policy limit, regardless of what the other driver’s insurer paid.
This distinction can significantly increase total compensation after a serious injury accident.
Example: How standard UIM vs. conversion coverage works
Here’s the scenario:
- Your UIM limit is $100,000
- The at-fault driver’s liability limit is $50,000
- Your total damages: $120,000
Standard UIM coverage
- You collect $50,000 from the at-fault driver
- Your insurer subtracts that amount from your $100,000 limit
- You receive up to $50,000 from your insurer
- Total recovery: $100,000
Conversion coverage
- You collect $50,000 from the at-fault driver
- Your insurer does NOT subtract that amount
- You can collect up to $100,000 from your insurer
- Total recovery: $150,000 (subject to actual damages)
Conversion coverage prevents your policy limits from being reduced by the at-fault driver’s insurance.
Is conversion coverage required in Connecticut?
No. Connecticut requires drivers to carry uninsured and underinsured motorist coverage, but conversion coverage is optional.
You must specifically elect it when purchasing your policy. It typically costs more than standard UIM coverage because it expands your potential payout.
Drivers who decline conversion coverage receive standard UIM protection by default.
Why does conversion coverage matter in Connecticut?
Connecticut has relatively high minimum liability limits compared to some states, but serious injury claims often exceed minimum coverage amounts. Conversion coverage may be especially valuable if:
- You want stronger financial protection for medical bills.
- You carry high liability limits yourself.
- You want maximum protection against underinsured drivers.
- You frequently drive in high-traffic or high-accident areas.
Because medical costs and lost wages can escalate quickly, the difference between standard and conversion coverage can represent tens of thousands of dollars in additional recovery.
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How much does uninsured motorist conversion coverage cost?
Conversion coverage usually increases your premium compared to standard UIM coverage. The cost depends on:
- Your selected policy limits
- Your driving history
- Vehicle type
- Location in Connecticut
- Claims history
While it costs more upfront, many drivers find the additional protection worthwhile given the potential payout difference after a serious accident. For exact pricing, request a quote comparison showing:
- Standard UIM
- Conversion UIM
- Different coverage limits
When should you consider buying conversion coverage?
Conversion coverage may be worth considering if:
- You have significant assets to protect.
- You want full access to your UIM limits regardless of the at-fault driver’s coverage.
- You carry high UM/UIM limits already.
- You want stronger financial protection for passengers.
It may be less critical if:
- You carry low UIM limits.
- Budget constraints are primary.
- You rarely drive or have minimal exposure.
Ultimately, it’s a risk tolerance decision.
Frequently Asked Questions: Connecticut conversion coverage
What is the difference between uninsured and underinsured motorist coverage?
Uninsured coverage applies when the other driver has no insurance. Underinsured motorist coverage applies when their coverage is insufficient to cover your damages.
Does conversion coverage apply to uninsured drivers?
Yes. It applies to both uninsured and underinsured claims.
Is conversion coverage available in every state?
No. Conversion coverage is specific to certain states, including Connecticut.
Can conversion coverage increase my payout?
Yes. It allows you to collect your full policy limit without subtracting the at-fault driver’s payment.
Does conversion coverage apply to passengers?
Yes, passengers covered under your policy are typically protected.
Is conversion coverage expensive?
It costs more than standard UIM coverage but may provide significantly higher compensation in severe accidents.
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