Because most auto insurance sites in Connecticut don’t give online quotes, looking on the internet for the best Connecticut auto insurance policy can literally be impossible, but East Coast Auto Insurance does offer not only online Connecticut auto insurance quotes, but the ability to buy the policy you choose.
Connecticut Auto Insurance Laws
All Connecticut drivers are obviously required to maintain continuous insurance coverage on all registered vehicles registered, that is the same in almost every country. Because of advancements in technology, insurance companies can now routinely report non-renewals or cancellations of policies to the Connecticut DMV and to your lease company, and you will receive in most cases a warning letter, followed by possible pecuniary action if nothing is done to remedy the cancellation. Also, because getting a Connecticut auto insurance policy is a very expensive proposition if you have had a lapse in coverage, you are usually given the opportunity to enter into an Insurance Compliance Consent Agreement. This is not really an agreement so much as directive which requires you to obtain insurance and pay a $200 insurance compliance fine. Once you accept this “agreement,” there will be no further penalties imposed for your coverage lapse for as long as you remain actively insured.
From time to time an insurance company will mistakenly report incorrect information to the DMV. In this situation you will most likely need to follow up with the DMV to avoid a fine(s). Usually it is a case of having switched insurance companies, and the remedy would simply be to send a copy of your new insurance card to the DMV thus proving you never had a lapse during the time period referenced in your warning letter. Other situations might be a new vehicle purchase in which case you would just give a new copy of the registration and insurance card, the sale or junking of a car where you would simply provide the Connecticut DMV with a copy of a bill of sale or junk receipt.
Connecticut Liability Coverage Requirements
The liability requirements in Connecticut are dual coverage for bodily injury and property damage. The minimum bodily injury coverage for one person is 20k and for all bodily injuries in one accident it is 40k. Property damage minimums in Connecticut are 10k, but drivers are encouraged to seek comprehensive coverage, collision, and additional medical and property coverage.
In Connecticut, motorists are required to maintain liability insurance for all vehicles that are registered. This coverage applies to bodily injuries and property damage and can help to ensure that these expenses are paid in the event of an accident. For bodily injuries for one person in one accident, the minimum coverage required by law is $20,000. For all bodily injuries in one accident, the required coverage amount is $40,000. The minimum coverage required for property damage is $10,000. Connecticut drivers can enhance their coverage with the purchase of comprehensive coverage, collision coverage, or additional coverage for medical expenses and property damage.
Connecticut Uninsured Motorist Coverage
Like 22 other states, Connecticut also requires drivers to purchase uninsured motorist coverage as a part of their auto insurance policies. Obviously this coverage exists to make sure you are covered in the event that the driver you collide with potentially doesn’t carry insurance. It is automatically added to every policy in the state of Connecticut.