Minimum Automobile Insurance Requirements In Connecticut

Driving in the state of Connecticut without automobile insurance is not only very unsafe it is also illegal. Like most states, Connecticut has made a law that determines the minimum amount of insurance that is required to be carried by all drivers on the road. Connecticut state law states that any driver that is found guilty of causing an accident is financially responsible for any property damages or bodily injuries that have resulted from the accident.

The state laws state that you are required to carry a certain minimum amount of insurance at all times while operating an automobile. Every driver is required to carry property damage liability insurance. The minimum amount of coverage for property damage is $10,000 for one accident. Drivers are also required to carry uninsured and underinsured motorist bodily injury insurance. This insurance clause must covered up to $20,000 for one person, or a combined amount of $40,000 for all injured parties, that resulted from one accident. While property damage liability and bodily injury liability clauses are required, the driver is not required to cover personal injury insurance.

These are the minimum requirements that every driver must have. However it is highly recommended to cover more insurance then the minimum amounts required. If you owe money on your automobile your lender will often require you to carry full coverage insurance. This helps protect yourself, and your lender, in the event of an accident that leaves your vehicle or the other party’s at a total loss.

Connecticut residents can also obtain Underinsured Conversion Coverage on their policies. This insurance clause is not required but will help you in the event you are hit by someone who does not carry enough insurance to cover your expenses. This insurance clause will help you get the maximum benefits out of both parties’ insurance policies for damages and injuries sustained in the accident.

One downside to living in this state is that the average insurance premium rates are statistically higher than the national average. This amount is roughly twenty dollars higher on average. This is partially due to the large number of people who live in a relatively small area.