Connecticut Auto Insurance - (CT)

Consumers who are seeking auto insurance quotes should also make themselves aware of their state regulations. While we all know that auto insurance provides coverage in case of emergency, as well as the benefit of safety and financial security, it can be easy to forget that policy requirements change from state to state. Depending on where you live, you may be responsible for more liability coverage, mandatory insurance, and specific obligations related to carrying documentation in your vehicle. Be sure you know the requirements for your state.

Auto Insurance Regulations in Connecticut

• All registered vehicles must be insured: If you have a vehicle and that will be operated on a public road, it must be registered and insured.
• You must carry proof of insurance at all times in the vehicle: You cannot register your vehicle without proof of insurance, and you must keep that proof in the vehicle. Failing to submit proof of insurance to an officer will result in a citation.
• Minimum liability insurance is required: For Connecticut, the minimum s are $20,000 for an individual’s injuries and $40,000 for all injuries sustained in an accident; and at least a $10,000 property damage maximum for one accident.
• Don’t let your policy lapse: The state of Connecticut is notified every time an insurance policy is canceled. The state will send you an immediate request for proof of insurance; if you do not respond, you could be fined $200 and your vehicle’s registration could be suspended. If you fail to pay the fine and rectify the situation, the state can revoke your ability to register vehicles in the future.

Consumer Tips

Regardless of where you live, you are responsible to meet your state's regulations for minimum coverage. But you likely will want a policy that far surpasses your state's minimums. Take, for example, Connecticut's $10,000 requirement for property damage coverage: Most insurance experts agree this amount should actually be $1 million on your policy to offer complete protection. Also know that liability coverage is, quite simply, the maximum amount your insurance company will pay. If you are liable for $100,000, but only have $25,000 covered by your policy, you are responsible for the remaining $75,000. To save money on your premiums, consider combining your auto and homeowner policies with the same insurer. Make sure you receive competitive quotes. Consumers who make educated decisions about their policies can save money.

Department Of Connecticut (CT) State Government That Regulates Car Insurance Quotes:
Web Site: www.ct.gov/cid/site

How To Contact Directly: Connecticut Insurance Department
Physical Address: 153 Market Street Hartford, CT 06103
Mailing address: PO Box 816 Hartford CT 06142-0816
Phone: 1-860-297-3800
Toll Free: 1-800-203-3447 (In-State)
Fax: 1-860-566-7410

Connecticut (CT) Mandatory Auto Insurance Minimums

• Liability: 20/40/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Underinsured Motorist and Uninsured Motorist
• Regulations Regarding Proof of Insurance: Proof Required - When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory Insurance: Registration suspension

How To File A Complaint About An Insurer:

Main Page That Explains How To File An Insurance Complaint With The Connecticut Insurance Department
Complaints Must Be Filed In Writing and Mailed to:
State of Connecticut Insurance Dept. Consumer Affairs P.O. Box 816 Hartford, CT 06142-0816
Call or Write With Insurance Questions: The Consumer Affairs Division
Phone: 1-860-297-3900
Toll Free: 1-800-203-3447
Fax: 1-860-297-3872
E-mail: ctinsdept.consumeraffairs@ct.gov