Every vehicle in Connecticut is required to be covered by auto insurance. The state has a number of different types of coverage that are all required for every auto insurance policy. These include bodily injury liability, property damage liability and uninsured and underinsured motorist coverage. If you have questions about auto insurance in Connecticut, or you want to get started with a policy, call us at ALLConnecticut Insurance in West Hartford, CT.
Liability Coverage
There are two different types of liability coverage required and three minimum amounts that you must have. The first is for bodily injury liability for one person who becomes injured in an accident that was your fault. There is a minimum amount required for this coverage. There is a second amount required for all of the people who are injured in an accident that is your fault. In addition, your auto insurance must have property damage liability coverage. All of these coverage types pay for other people’s damages- not your own. To get coverage for your own property in an accident you cause, you would need to get collision coverage. This type is not required by the state.
Coverage for Uninsured and Underinsured Motorists
There is a set amount of this coverage that you need to have for one person who is injured in an accident that someone without insurance, or not enough insurance, caused. Then, there is a second amount required for everyone who was injured in the accident. This coverage is badly needed to protect yourself against motorists who do not follow the law.
Get Your Auto Coverage
If you don’t have auto coverage in the state, you risk having both your driver’s license and your car’s registration being suspended. If you need auto insurance, give us a call at ALLConnecticut Insurance in West Hartford, CT.