Insurance companies often present themselves as neutral parties in the claims process, but the reality is quite different. At Connecticut Accident Attorney, we see firsthand how insurance companies use tactics designed to minimize payouts—even when you have a legitimate claim.

One common strategy is the so-called Independent Medical Exam (IME or I AMA). While it may seem like a neutral review of your injuries, these exams are often far from impartial. The doctor performing the exam is hired and paid by the insurance company, and their primary role is to evaluate your claim in a way that favors the insurer. If a doctor consistently reports claims in your favor, they risk not being rehired. Without experienced legal representation, these reports can significantly influence your claim or even a jury's perception.

Another misconception we encounter frequently is the idea of full coverage insurance. Many clients assume their policies will cover any and all damages, only to discover that they are far less protected than they thought. In Connecticut, the law requires only two types of auto coverage:

1. Liability Coverage – Pays for injuries or property damage you cause to others. The state minimum is $25,000.

2. Uninsured/Underinsured Motorist (UIM) Coverage – Pays if another driver lacks sufficient insurance. The minimum is $25,000.

For serious injuries requiring months of treatment, $25,000 may provide little meaningful protection. While you may not need a million-dollar policy, coverage levels of $100,000 to $250,000 can make a significant difference in ensuring your medical expenses and losses are adequately addressed.

This is where an experienced Connecticut personal injury lawyer can make a critical difference. Insurance companies employ skilled teams whose sole purpose is to reduce payouts. A knowledgeable attorney can:

• Challenge biased medical reports

• Explain your insurance coverage and options

• Advocate for fair compensation for medical bills, lost wages, and pain and suffering

At Connecticut Accident Attorney, we have over 30 years of experience helping clients navigate these complex processes. If you or a loved one has been injured in an accident, it is important to remember: insurance companies are not your advocates. You deserve legal representation dedicated to protecting your interests.

For guidance on your claim, contact our office today to schedule a consultation with a skilled personal injury attorney. With the right legal support, you can ensure your rights are protected and your case receives the attention it deserves.