Connecticut law requires a minimum of $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 per accident for property damage liability for auto insurance. Also, it is required to carry a minimum of 20,000 per person and $40,000 per accident of uninsured/underinsured motorist coverage. It is suggested to carry larger amounts than the required to prevent your loss of any assets to cover costs of the damage that exceeds your limits. Check with your auto insurance company to understand the details of coverages they offer. All coverages are limited to any terms and liabilities of your auto insurance company.

Bodily injury liability: If you are at fault in an accident, bodily injury coverage will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase Medical Payment coverage for your policy or your own health insurance if you want coverage or yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of your representation in court by your auto insurance company.

Property damage liability: When you cause accidental damage to another person’s property, be it a car, fence, pole, wall, etc, with your vehicle, property damage liability will cover those costs. It will also cover any legal costs that may ensue from the accident. Any additional costs exceeding your coverage amount could leave you paying for repairs out of pocket.

Uninsured/Underinsured motorist coverage: In the scenario you’re in an accident and the other driver, who is at fault, does not have auto insurance, uninsured/underinsured motorist coverage will cover you, passengers in your car, and any of your dependents for your medical expenses, pain and suffering, loss of wages, and funeral expenses up to the limit you purchased for your policy. If you do not have health insurance, this particular coverage is especially beneficial for you.

Connecticut operates under a tort auto insurance system; it does not acknowledge the no-fault system. This means by law of the state of Connecticut the at-fault driver in an accident and their auto insurance company are responsible to pay for the medical expenses of the other driver in addition to compensating for additional damages, i.e. pain and suffering and/or loss of wages. Take this law into consideration when deciding how much coverage you want to purchase for your auto insurance policy, making sure to protect yourself from having to pay too much out of pocket if you or one of your dependents are ever in this situation.

Auto insurance is required in the state of Connecticut to register your vehicle. Without insurance, you won’t be able to register your vehicle. Also, if you are stopped by an officer for a traffic violation, failure to produce evidence of insurance will get you another violation on top of the reason you were being pulled over.

Connecticut Auto Insurance Requirement Chart:

• Bodily Injury Liability: $20,000/$40,000 Limit
• Property Damage Coverage: $10,000 Limit
• Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000 Limit

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