CONNECTICUT AUTO INSURANCE GUIDE

Connecticut UIM Reductions, Conversion Coverage, Exhaustion & Subrogation

This guide will address how conventional Connecticut UIM benefits may be reduced by amounts available from responsible parties, how conversion coverage changes that calculation, and how exhaustion, settlement, consent, and subrogation issues affect recovery.

Publication review note — September 17, 2026. Verify current §38a-336, policy forms, exhaustion and reduction provisions, subrogation rights, and controlling appellate decisions before publication.