In 2013, West Hartford received many accolades, including making it on Family Circle’s list of “10 Best Towns for Families.” The city also gets top billing for another statistic: It’s one of the most auto accident-prone cities in the United States. You need to make sure you have enough auto insurance coverage if you drive in the city.
If you cause an accident, your liability insurance coverage pays for the other person’s expenses. In Connecticut, you need at least $20,000 for each person that’s hurt and $40,000 if more than one person is hurt. You need the same for accidents involving uninsured or underinsured motorists, and at least $10,000 for property damage.
A Word about Minimums
You can avoid fines and other hassles with the department of motor vehicles if you meet the state’s minimum liability coverage requirement. However, the minimum coverage might not be enough protection. The other driver can sue you, and your personal assets might be at risk, if you don’t have enough insurance coverage.
What to Consider
You’ll need to make sure you can shoulder the financial cost if you cause an accident, because you’re responsible for financial losses the other person suffers. For example, if you damage the other person’s car, you’ll need to repair or replace it. If the accident results in injuries, you’re responsible for the medical bills. Also, if the person can’t work, she can sue you for loss wages.
The value of cars in the 21st century is a good bit more than $10,000, and medical care can easily surpass $20,000. If you have personal assets, including a home and savings accounts, you might find additional coverage well worth the higher premium.
Call us today. As your independent agent, we can help you avoid fines and set up an insurance policy that gives you the coverage you need.