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| Connecticut Insurance Department |
According to the state where you live, there you have to follow its rules and laws while driving on the roads. Each country has its own mandate and minimum mandate. If you are a new driver in the state of Connecticut or have recently moved to the state, you are at the right site. Know what is expected of you, so you can buy the right insurance policy with the right coverage.
The minimum liability insurance coverage in the state of Connecticut is as follows:
$20,000 Body Injury/death Coverage for one victim. This is if you are involved in an accident, and you damage others. Usually this is barely enough to cover real expenses.
$40,000 Body Injury Cover or death of more than one victim. A $10,000 Property Damage Liability is if you damage your home, business, street pole, or other physical property.
$20,000 to $40,000 combined from bodily injury to uninsured or under insured motorists. It's important to note that most states only require the first 3 categories. Connecticut's law, however, requires a 4th category called Uninsured or Under insured Driver's Insurance, commonly known as UM or IM.
This type of insurance protects you if you are involved in an accident where the other party is uninsured, is against the law, or is not sufficiently insured to cover your loss. All registered vehicles in these states must carry their auto insurance with them at all times while driving. Failure to do so may result in a fine of $200, and suspension of your driver's license. If you fail to pay the fine again, the state may revoke your ability to register the vehicle at any time in the future.
What about other people living in my home, are they covered under my insurance plan?
Connecticut's law doesn't require you to list everyone under your household, but most insurance brokers will require you to. If someone who lives in your household has an accident using your car, the insurance company may refuse to cover this claim. Get intimate and closed.
Connecticut is a Tort State which means, the person at fault in the accident must pay for all damages including medical expenses. In addition to what the insurance covers, he can sue in court and get additional funds for additional loss or damage.
These are Connecticut laws and regulations regarding auto insurance. If you want to buy additional insurance, all insurance companies offer it to you.
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