If an insured has a $40K policy for bodily injury for a car accident injury in Connecticut and five people were involved, does each person receive $40,000 or as a group?

5 PEOPLE TRAVELING VISITING CT FROM FL INVOLVED IN A ACCIDENT 1 MRI SHOWS HERNIATED DISC ALL OTHERS WELL THE PERSON FROM CT AT FAULT WITH A 40K BODILY INJURY POLICY HOW IS THE MONIES DISBURSED AND WHAT OTHER OPTIONS

Asked on July 1, 2009 under Accident Law, Florida

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

It sounds like the person had the minimum coverage, which is 20/40 in Connecticut: $20,000 per person, $40,000 per accident.  You are correct: the $40,000 is divided amongst the 5 injured parties.  If 4 of the people have no injuries as you say and one person only is injured then that person can collect a maximum of $20,000.  An option for the injured party is if they have auto liability insurance and they carry "under-insurance" in an amount greater than $20,000 then they can go against their policy for the difference, but they must receive the entire $20,000 from the car at fault and their insurance company is allowed to deduct the amount received from their coverage.

For example, if they have underinsurance in the amount of $50,000 and they receive $20,000 from the other car, then they can receive a maximum of $30,000 ($50,000 minus $20,000) from their own company. 


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