Connecticut Car Insurance Laws

State of Connecticut
Connecticut insurance laws are in place in order to keep motorists financially responsible in the event of an accident. In order for residents to legally operate a motor vehicle within the state there are multiple requirements that must first be met. All CT drivers must purchase a vehicle protection plan that includes both liability and uninsured/underinsured coverage. Failure to do so may result in a series of fines and penalties that get progressively worse for repeat offenders.

In order to comply with the state’s financial responsibility laws, drivers must obtain policies that meet the minimum state requirements. Motorists must have a policy that contains $20,000 in bodily injury liability for a single person, $40,000 in bodily injury liability per accident, and $10,000 in property damage liability per accident. Similarly, the amount of uninsured/underinsured coverage must meet limits of $20,000 for bodily injury per person and $40,000 for bodily injury per accident.

Individuals that knowingly operate a motor vehicle without the proper amount of Connecticut auto insurance may be found guilty of a class C misdemeanor. This may result in a prison sentence of up to three years and/or a fine of up to $500. Motorists should note that driving uninsured may also result in the offending individual’s driver’s license being suspended for one month, or up to six months for additional convictions. Additionally, the driver’s license plates may also be confiscated and the vehicle in question may be impounded. To avoid such consequences motorists need to be adequately insured before driving. With the many resources available to residents, locating an affordable policy can be simple, even for higher-risk motorists.

Auto Insurance for Non-Standard Drivers in CT

At times vehicle owners may have difficulty locating an adequately priced protection plan because of a blemished driving record, history of claims, or having qualities that signify to insurers that there is a higher chance of suffering a loss. These motorists are typically referred to as non-standard drivers and may have a greater difficulty locating a suitable policy. In recent times there has been an increase in companies offering high risk auto insurance that may be able to offer competitive rates for nearly any driver. Motorists who are unable to locate a carrier willing to offer coverage may be able to gain assistance from the Connecticut Automobile Insurance Assigned Risk Plan; this program was developed to help ensure that each motorist is able to comply with the state’s financial responsibility laws.
Emblem of Connecticut state flag
Connecticut drivers should note that shopping for an affordable policy is not only encouraged for non-standard motorists, but for all residents as well. Before settling on a protection plan it’s important that all vehicle owners exhaust their resources and compare a wide variety of companies and policies. Oftentimes, policy providers price coverage competitively and may offer a variety of ways for residents to save money. Comparing estimates is an essential part of shopping for coverage, and one of the best places to start is by utilizing many of the resources available over the Internet. Looking for car insurance quotes online can typically produce numerous estimates from a variety of companies, allowing residents to quickly determine which insurers can offer a more competitive price.