Connecticut Car Insurance (CT)

Connecticut is a state of two lane country roads, as everyone there who gets out and about on the weekend can tell you.  Cars, and the required car insurance that goes with them, are vital to anyone who enjoys the countryside there, or who lives there but enjoys the New York nightlife.

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Connecticut Car Insurance Requirements

The minimum liability coverage required in the state of Connecticut is bodily injury coverage of $20,000 for one person; total bodily injury $40,000 to cover all persons in an accident; and property damage coverage of $10,000.  Bodily injury coverage pays injury-related expenses of the other party incurred in an accident where you were at fault. Property damage coverage helps pay for damages to the other car.

Additional Insurance Requirements in Connecticut (CT)

Connecticut (CT) also requires insurance providing for bodily injury coverage in the case of encounters with uninsured or underinsured motorists.  The minimums for this category are also $20,000 per individual and $40,000 total per incident.

Keep in mind that medical and repair costs can add up quickly, and state-mandated minimum requirements may not be sufficient enough to cover your liability. It is recommended that you purchase the highest limits of coverage you can comfortably afford.

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Insurance Coverage in Connecticut

Coverage is available that will help cover expenses and damages that you may incur. Collision will cover damages incurred in an accident where you were at fault. Comprehensive will cover damages that are not accident-related, such as fire or storm damage, theft, or vandalism. Both coverages come with deductibles that must be paid in full before your insurance company makes any payments.

As an added layer of protection, you may also want to purchase coverage to protect you from uninsured or underinsured drivers. This type of coverage is meant to pay for injury related expenses incurred by you and your passengers in a collision with a driver that is uninsured, or whose insurance is insufficient to pay your expenses.

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