Car Insurance in Connecticut

Connecticut is considered to be one of the most beautiful states in the US. With beautiful scenery and a generally relaxed feel, Connecticut is one of the top choices for tourists to visit. Because of this, the volume of traffic in CT has increased. This could be a problem for the uninsured residents of Connecticut. Here’s a few basic information regarding Connecticut Auto Insurance to help you learn more about the options that you have when it comes to getting your vehicle insured in the state of Connecticut.

In the state of Connecticut Auto Insurance policies are required to have liability insurance. Liability insurance covers a person responsible for an accident that results in ether bodily harm or property damage. The minimum coverage that is required of a Connecticut Auto Insurance policy is 20/40/10. This equation is rather simple. A Connecticut Auto Insurance policy basically covers 20 thousand dollars for medical expenses of a single person in the event of a vehicular accident. If there was more than one person harmed during the accident, then the liable party’s Connecticut Auto Insurance policy covers up to 40 thousand dollars of the medical expenses of all those harmed collectively. Meaning the insurance policy will cover a certain amount or the combined medical expenses of the victims. The minimum coverage for property damage then is 10 thousand dollars.

Not everyone in Connecticut has car insurance though. This is because that since the state attracts many tourists, passers-by, and visitors the state does not require everyone to carry full coverage of car insurance. This is why it would be a good idea to also get uninsured/underinsured liability coverage when getting your car insured. In the event of a vehicular accident and the liable party is either uninsured or if that person’s policy does not cover or cannot cover the extent of the damages, the injured person’s own insurance would cover the difference.

All of the information you would need for a Connecticut car insurance policy and the Connecticut government mandated insurance policy requirements can be obtained from the Connecticut Insurance Department. They are based in Hartford, CT, and they can be reached by calling 1-860-297-3800.