Connecticut’s Laws on Auto Insurance Coverage

Connecticut’s Laws on Auto Insurance Coverage

Connecticut, like many states, has specific laws regarding auto insurance coverage. Understanding these regulations is essential for drivers to ensure they are adequately protected while on the road.

In Connecticut, the law mandates that all drivers carry a minimum level of auto insurance. This minimum coverage includes:

  • Liability Coverage: Connecticut requires drivers to have a minimum liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.
  • Uninsured Motorist Coverage: Drivers must also maintain a minimum of $25,000 for bodily injury coverage for uninsured motorist, which protects you if you’re in an accident caused by a driver who doesn’t have insurance.

While these are the minimum requirements, it is highly advisable for drivers to consider obtaining higher coverage limits. Accidents can result in costs that exceed these minimums, leaving individuals personally responsible for the remaining expenses.

Connecticut also permits drivers to purchase additional types of coverage to provide further protection. These include:

  • Collision Coverage: This coverage helps pay for the repairs to your vehicle after a collision, regardless of who is at fault.
  • Comprehensive Coverage: This protection covers damage to your vehicle not involving a collision, such as theft, vandalism, or natural disasters.
  • Personal Injury Protection (PIP): While not required by state law, PIP can cover medical expenses, lost wages, and other damages resulting from an accident.

One crucial aspect of Connecticut’s auto insurance laws is the concept of “fault” in accidents. Connecticut follows a “modified comparative negligence” rule, meaning that when determining liability, the degree of fault is assessed. A driver can only recover damages if they are found to be less than 51% at fault for the accident.

Moreover, in Connecticut, insurance companies are required to offer policyholders the option to reject uninsured and underinsured motorist coverage. Having these options provides an extra layer of security in accidents involving drivers with insufficient coverage.

Drivers in Connecticut should also be aware of the penalties for not having insurance. Operating a vehicle without the required insurance can result in hefty fines, suspension of driving privileges, and even civil penalties. Furthermore, repeated offenses can lead to increased penalties and the possibility of being required to obtain an SR-22 certificate, indicating high-risk insurance status.

In conclusion, understanding Connecticut’s auto insurance coverage laws is crucial for all drivers. Ensuring compliance with the minimum coverage requirements not only meets legal obligations but also protects you and your assets in the event of an accident. It’s always wise to discuss your insurance options with a qualified agent to determine the best coverage for your specific needs and circumstances.