Jane Dotson
Connecticut requires drivers to carry a minimum of $25,000 per person and $50,000 per accident in Bodily Injury Liability, as well as $25,000 in Property Damage Liability. Uninsured/Underinsured Motorist coverage is also mandatory, with a minimum requirement of $25,000 per person and $50,000 per accident. These requirements are in place because Connecticut is an at-fault state, meaning the person responsible for an accident is also responsible for any resulting damages.
| Characteristics | Values |
|---|---|
| Bodily injury liability per person | $25,000 |
| Bodily injury liability per accident | $50,000 |
| Property damage liability per accident | $25,000 |
| Uninsured motorist bodily injury per person | $25,000 |
| Uninsured motorist bodily injury per accident | $50,000 |
What You'll Learn
Bodily injury liability coverage
In Connecticut, drivers are required to carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage. This type of insurance covers the medical expenses of other parties if you are at fault in an accident. It is important to note that bodily injury liability coverage does not cover your own injuries; it only applies to the harm caused to others.
The minimum coverage limits in Connecticut are designed to ensure that drivers have the financial means to pay for at least a portion of the damages they may cause in an accident. However, it is recommended to purchase higher coverage limits to protect yourself financially in the event of a serious crash. Medical costs can quickly exceed the minimum coverage limits, leaving you personally responsible for the remaining expenses.
Connecticut follows a "fault" system when it comes to financial responsibility for car accidents. This means that the person at fault for an accident is responsible for compensating anyone who suffered harm as a result, including medical bills, lost income, property damage, and pain and suffering. The liability coverage will also cover family members driving your vehicle or someone else driving with your permission.
In addition to bodily injury liability coverage, Connecticut also requires drivers to carry property damage liability coverage, as well as uninsured/underinsured motorist coverage. These coverages protect you in the event of an accident with a driver who does not have sufficient insurance or is uninsured.
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Property damage liability coverage
In Connecticut, the minimum property damage liability coverage required is $25,000 per accident. This means that if you are at fault for an accident, your insurance will cover the property damage bills of the other driver or affected individuals up to $25,000. This is the maximum amount that an auto insurer will pay for a claim regarding property damage.
While this is the minimum requirement, it is recommended that drivers consider higher limits. The minimum coverage may not be sufficient in all situations, especially if there is significant property damage resulting from an accident. Increasing the coverage limits can provide added financial protection in the event of a serious accident.
Additionally, it is worth noting that property damage liability coverage is separate from bodily injury liability coverage, which covers the medical expenses, lost wages, and pain and suffering of those injured in an accident. The minimum bodily injury liability coverage in Connecticut is $25,000 per person and $50,000 per accident.
Connecticut law requires all drivers to maintain liability insurance, including property damage liability coverage. Failure to comply with the minimum insurance requirements can result in fines, license suspension, and other penalties. Therefore, it is essential for drivers in Connecticut to understand the state's insurance requirements and ensure they have adequate coverage.
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Uninsured/underinsured motorist coverage
Connecticut's minimum limit for uninsured/underinsured motorist coverage is $25,000 per person and $50,000 per accident. You can purchase additional coverage of up to twice the amount of your bodily injury liability coverage. This means that you can increase your coverage to a maximum of $50,000 per person and $100,000 per accident.
In addition to the mandatory coverage, Connecticut offers "underinsured motorist conversion coverage." This optional coverage provides extra protection when the at-fault driver's insurance is insufficient to cover all your accident-related losses. With this coverage, you can receive the full amount of your underinsured motorist coverage, regardless of any money paid by other sources, such as the other driver's liability insurance.
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Collision coverage
If you choose not to carry collision coverage and your vehicle is damaged in an accident, you will have to pay for repairs or a replacement out of pocket. Collision coverage can provide peace of mind and help you avoid potentially costly expenses in the event of an accident.
When deciding whether to opt for collision coverage, consider the value of your vehicle. If your vehicle is new or has a high value, collision coverage can help cover expensive repairs or replacement costs. Additionally, consider your financial situation and whether you could afford to pay for repairs or a replacement vehicle without insurance.
Another factor to consider is whether your vehicle will be in storage or not driven for an extended period. For example, if you own a boat or RV and plan to keep it in storage, collision coverage may not be necessary during that time.
In summary, while collision coverage is not mandatory, it can offer valuable protection in the event of an accident, especially if your vehicle is valuable or if you cannot afford to pay for repairs or a replacement out of pocket.
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Comprehensive coverage
If you drive an older, high-mileage vehicle, comprehensive coverage may not be necessary. However, even people who drive older cars sometimes opt for comprehensive coverage because they don't want to take on the financial risk of having to replace their vehicle if it is stolen or sustains severe damage.
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Frequently asked questions
The minimum coverage in Connecticut is $25,000 per person and $50,000 per accident in bodily injury liability, as well as $25,000 in property damage liability. Uninsured/underinsured motorist coverage is also mandatory, with a minimum requirement of $25,000 per person and $50,000 per accident.
The minimum coverage includes bodily injury liability, which covers the medical expenses of the other parties if you caused the accident. It also includes property damage liability, which covers the cost of repairs to the other parties' vehicles and other types of property. Additionally, the minimum coverage includes uninsured/underinsured motorist coverage, which protects you if you are in an accident with a driver who does not have insurance or has insufficient insurance.
Yes, driving without insurance in Connecticut can result in fines ranging from $100 to $1,000 and a license suspension of one month for the first conviction. For subsequent convictions, the license suspension increases to six months, and there may be additional fees and penalties.
No, while liability coverage is the primary requirement, Connecticut drivers must also purchase uninsured/underinsured motorist coverage. Additionally, if you finance or lease a vehicle, your lender or leasing company may require you to have collision and comprehensive coverage as well.
