Is uninsured motorist coverage the same as conversion coverage?

Connecticut uninsured motorist coverage includes something called conversion coverage. This is not the same as uninsured motorist coverage in the strict sense of “uninsured motorist” coverage. Conversion coverage is a facet of underinsured motorist coverage.

Uninsured motorist coverage may or may not include motorists who have some but not enough insurance but always includes those who have no motor vehicle insurance, traditionally automobile. Conversion coverage is a facet of Connecticut insurance law that allows an accident victim to add their own underinsured motorist coverage on top of the person at fault's insurance amount for injuries you sustain that are higher than the responsible party's insurance coverage for that injury.

Specifically, this is known as underinsured conversion coverage and supplements uninsured motorist coverage by allowing an injured person to collect above his/her uninsured motorist coverage limit. Being able to collect above the coverage limit in an accident with an uninsured or underinsured motorist is good for an injured person since that means injuries can be fully covered if they are above the coverage limit possessed by the injured person.

This also prevents more litigation, allows the matter to be resolved more quickly and allows the injured party to more quickly move on with life instead of waiting to collect more money.

Before conversion coverage is available, the motorist must pay for it. If the injured party did not buy conversion coverage beforehand, the amount available for injury payment is limited by the maximum amount allowed under uninsured motorist coverage.