The medical costs for treating injuries sustained in a serious automobile accident frequently exceed the insurance coverage limits carried by most drivers. The law in Connecticut pertaining to uninsured and underinsured motorist coverage is found in Connecticut General Statute Sec. 38-336. The purpose of this statute is to provide protection in situations where motorists either do not have insurance or have inadequate coverage: “Each automobile liability insurance policy shall provide insurance, herein called uninsured and underinsured motorist coverage … with limits for bodily injury or death not less than those specified in subsection (a) of section 14-112, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles and underinsured motor vehicles and insured motor vehicles, the insurer of which becomes insolvent prior to payment of such damages, because of bodily injury, including death resulting therefrom …” This type of coverage pays for injuries when someone is involved in an accident with a hit and run driver, or a driver whose policy limits are not high enough to cover the cost of the injuries. Uninsured motorist insurance also covers pedestrians or bicyclists who are struck by an automobile.