Car Insurance in Connecticut
Anyone seeking to purchase a new Connecticut car insurance policy or find a better rate on car insurance in Connecticut has many decisions to make. Such choices ought to be based on thorough research. Comparison shopping is a great way to start researching! This article presents information car insurance consumers in Connecticut may find useful in securing coverage on their cars.
Car Insurance in Connecticut: What does the Connecticut Department of Insurance Have to Say?
The Connecticut Department of Insurance website is an excellent source of information on car insurance. The department’s website can answer questions on filing a complaint, finding a good insurance company, purchasing state-standard insurance, and a great deal more. Connecticut’s Department of Insurance is an invaluable reference site for those seeking to purchase car insurance in Connecticut!
Car Insurance in Connecticut: Why Have Car Insurance in Connecticut?
Most Americans are familiar with car insurance (auto or motor insurance) which is a product sold by insurance companies that covers a customer against liability and/or property damage. Liability coverage is most common since it is all that most states require. It protects the owners of insured vehicle against legal liability for bodily injury, property damage, and any uninsured or underinsured drivers involved with them in an accident. Property damage coverage, which is not required by the state, includes collision coverage (should a policyholder’s vehicle hit another object) and comprehensive coverage (should a policyholder’s vehicle need extensive repairs due to an accident or if it is stolen or totaled). Coverage against property damage may be required by a company issuing a loan on a vehicle but is otherwise optional. According to Connecticut law, proof of car insurance (also known as proof of financial responsibility) must be produced upon vehicle registration and must be in the vehicle and current whenever requested by a state official. Such proof consists of a current insurance identification card and the policy’s current declaration page. A driver who fails to produce proof of insurance upon request by a state officer will be charged for failing to maintain financial responsibility. In the state of Connecticut, the penalty for such an offense is a $200 fine. Further consequences may ensue, including a court hearing and the suspension of the driver’s license, should that person not cooperate within 30 days. The purchase of car insurance in Connecticut is an important part of compliance with state law.
Car Insurance in Connecticut: What Coverage Is Mandatory in Connecticut?
Liability insurance, personal injury protection (PIP), and coverage for both uninsured and underinsured drivers (should such persons be involved in an accident) are mandated by state law to be on all car insurance policies in Connecticut. The coverage for bodily injury liability must be $20,000 per person injured or killed up to $40,000, and property damage liability must be at most $10,000. Personal injury protection must pay for medical expenses and non-medical expenses up to $40,000. Uninsured motorist bodily injury insurance and underinsured motorist bodily injury insurance are also required in order to supplement personal injury protection (with $20,000 up to a maximum of $40,000 per accident) should uninsured or underinsured persons cause accidents in which a policyholder is involved. According to the state’s mandatory reporting law all insurance companies must report any customers who become uninsured.
Car Insurance in Connecticut: What Is a Tort System?
Connecticut maintains a Tort system insurance, which means that someone must be found at fault for an accident. The person found to be at fault and his or her insurance company must pay for all damages caused by the accident. Obviously unexpected – and unwanted – bills and lawsuits can quickly mount against a party found at fault for an accident. This highlights the importance of car insurance in Connecticut.
Car Insurance in Connecticut: Get a Free Quote!
Though many versions of car insurance are available in Connecticut, finding the right one is not impossible. Quality Connecticut car insurance is available! A free comparison insurance quote may be requested by entering your zip code at the top of this page.