What Does Auto Insurance Cover?

The laws regarding Connecticut insurance require liability of $25,000, per accident, as coverage for each person involved. 

What is liability insurance in the state of Connecticut? Liability insurance is the minimum coverage required by law. It envelopes the injuries and property of another person due to negligence while driving. This coverage normally covers each person involved in an accident a minimum of $25,000.  The entire accident is covered with $50,000. Allowing $25,000 for injury to the person and $25,000 for property damage.  Although these are the minimum requirements, higher coverage is advisable. 

Another type of insurance coverage you will need for your car is uninsured/underinsured coverage. This protects you and the people you live with if injured in an accident an uninsured motorist caused. Then there is a conversion coverage for an underinsured motorist. It is a reimbursement to you,  should the driver at fault not have enough coverage for damages incurred. 

Any questions regarding insurance coverage in the West Hartford, CT area can be answered by a professional agent from AllConnecticut Insurance. 

There is sometimes a lot of confusion between collision and comprehensive coverage. When you purchase collision insurance, it refers to your car rolling over, colliding with an object or another vehicle. This insurance requires some form of deductible you must pay before the insurance pays the balance. Comprehensive coverage is when your car is damaged for reasons in addition to another vehicle collision. It can be due to theft, hitting an animal, glass breakage, or a natural disaster.  

If you are seeking liability, collision, comprehensive, or some other auto insurance, contact the professionals at AllConnecticut Insurance. We can help you if you live in West Hartford, CT or the surrounding areas.