CT SB00280

Requires automobile liability insurance policies to include uninsured and underinsured motorist coverage with limits equal to bodily injury coverage purchased, unless the insured requests a lesser amount in writing on an approved informed consent form.

Prohibits reduction of uninsured or underinsured motorist coverage benefits for Social Security disability benefits received or, for policies issued on or after October 1, 2015, for amounts paid by tortfeasors for bodily injury to non-insureds or for property damage.

Establishes that with multiple vehicles or policies, the limit of liability for uninsured and underinsured motorist coverage cannot be combined; coverage on the occupied vehicle is primary, with other policies being secondary or excess.

Sets minimum three-year limitation period for filing suits or demanding arbitration on uninsured motorist claims, with an extended one-year period from notice of insolvency or denial of coverage by the tortfeasor's insurer.

Effective October 1, 2015, insurers must offer uninsured and underinsured motorist coverage with limits twice the bodily injury coverage limits, with the insured's selection applying to all subsequent renewals unless changed in writing.