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Minimum car insurance in Connecticut
Connecticut requires car owners to buy two types of auto insurance: Liability and uninsured/underinsured motorist coverage. But often the state minimum insurance isn't enough if you're in an accident. Let's sort through the options in Connecticut so you can make the best choice.
Minimum liability insurance:
Liability insurance pays others if you cause a crash. It does not pay for any damage to your own car.
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage per accident
This is usually written as 25/50/20.
Uninsured/underinsured motorist (UM/UIM) coverage:
UM/UIM is required in Connecticut. You can make a claim on UM/UIM if you're injured by a driver who has no liability insurance or not enough. Typically you'd buy UM insurance limits that match your bodily injury liability limits, and the minimum in Connecticut is 25/50 ($25,000 per person/$50,000 per accident).
Connecticut also has an unusual optional insurance type called Underinsured Motorist Conversion coverage. You can buy this instead of UIM coverage. With conversion coverage, you can collect the full amount from your policy, without UIM reimbusement being reduced by the at-fault driver's liability insurance.
Think of it this way: Typically your potential UIM benefit is reduced by the at-fault driver's liability insurance. Say you have $150,000 in UIM and a driver with only $50,000 in liability crashes into you. Say you have $200,000 in injuries. Under traditional UIM, the most you can collect is $150,000 (that's $50,000 from the driver and $100,000 from your UIM). That's right: Under regular UM insurance you do not get $50,000 from the driver plus $150,000 from your UIM. You get the limit of your own UIM policy.
But with Connecticut's Underinsured Motorist Conversion insurance, you could collect $50,000 from the driver plus $150,000 from your own UIM, totaling $200,000 for your medical bills.
Optional car insurance in Connecticut
Collision and comprehensive coverage: Together these pay for damage to your vehicle caused by hitting another car or an object, hitting an animal, hail, flood, explosions and fire. Comprehensive insurance also pays out if your vehicle is stolen and not recovered.
Medical payments (MedPay): Pays for injuries to you and your passengers no matter who was at fault.
You must show an insurance ID card (or other proof of financial responsibility) in Connecticut when:
- Law enforcement requests it
- Your vehicle is involved in a car accident
Penalties for not having auto insurance in Connecticut
- May suspend or revoke license and registration at the court's discretion
Source: Property Casualty Insurers Association of America
Complaints against larges car insurance companies in Connecticut
The department of insurance in all states collects complaints against insurance companies. A national "complaint ratio" shows complaints relative to an insurer's size of business. Here are national complaint ratios for the largest car insurance companies in Connecticut.
Updated July 10, 2018
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