Why is Car Insurance Required in Connecticut?


Connecticut state flagIf a motorist is at-fault for an accident in which someone is injured or property is damaged, it is important that the responsible driver be able to cover any resulting losses. Sometimes these damages are small, but they have the potential to be extensive and costly. To ensure that drivers will be able to sufficiently pay for damages or injuries they are responsible for, the Constitution State passed financial responsibility laws requiring all motorists to carry bodily injury and property damage liability coverage. To be considered adequately insured, drivers must have a policy with limits of at least 20/40/10, but are urged by the state to consider purchasing greater coverage.

Because some motorists choose not to buy Connecticut auto insurance and drive illegally, residents are also required to carry uninsured/underinsured motorist protection with limits of at least $20,000 per person and $40,000 per accident. The Insurance Research Council estimated in 2009 that roughly 10 percent of drivers in CT were uninsured; if caught, these individuals may face a fine ranging from $100 to $1,000 and may experience registration and license suspension for a month. Additional convictions may increase a person’s suspension to six months and include the possibility of additional fines. Drivers can also receive a fine for operating an automobile without carrying sufficient proof of coverage.

Even though coverage is required, residents can still find cheap Connecticut car insurance by shopping around and making several comparisons. Researching the prices of multiple policies and providers can help motorists save money, which could then lead to purchasing a policy with greater levels of protection. Instead of contacting insurers individually to receive estimates, residents may want to take advantage of resources available online. These resources have the potential to produce dozens of quotes from multiple carriers in a short amount of time. To find an affordable plan that includes higher liability limits or additional protection, drivers may want to research prices for policy with greater coverage.

Connecticut flag shaped as the statePurchasing a comprehensive plan that exceeds the basic liability limits could even end up helping a motorist avoid costly repairs after an accident. For example, a driver who maintains the minimum $10,000 property damage liability limit may have to pay any remaining costs out-of-pocket if these limits are exceeded. Having higher coverage, however, could enable an individual to be better prepared for a wider range of damages. After completing a quote comparison with greater coverage in mind, drivers may be able to find inexpensive auto insurance after only a small amount of research and effort.