Connecticut Auto Insurance

In order to legally operate a motor vehicle in Connecticut, you need a minimum amount of Connecticut auto insurance. This auto insurance protects drivers from the financial trouble of paying for injuries and property damage as the result of an accident. This auto insurance is known as liability insurance and can be broken down into 2 sections:

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1. Bodily Injury Liability - You are required to have a minimum amount of bodily injury liability insurance. This insurance will cover injuries to other drivers and pedestrians, as a result of your driving. You must have at least $20,000 per person and $40,000 per accident.
2. Property Damage Liability - You are also required to have a minimum amount of property damage liability insurance. This covers damages to other motorist’s vehicles, as well as any other damage that may occur as a result of your driving. You must have at least $10,000 of property damage liability insurance. This does not, however, cover damages that occur to your vehicle, if you are at fault. For this coverage you would need comprehensive or collision insurance, and you can learn more about these in the types of coverages section.

One important thing to remember in regards to liability insurance. Any damages over your coverage amounts will become your responsibility to pay. This means that if you are covered for the minimum bodily injury liability of $40,000, and the medical expenses as well as pain and suffering damages come to $50,000, you will be required to pay $10,000! For this reason it is a good idea to increase you minimum liability coverage in order to fully protect yourself. This may raise your premiums, but this small increase is well worth the protection it offers.

To see how much insurance would be in your area, or to see how increase your amount of liability will increase your premiums, get a Connecticut car insurance quote . This will find Connecticut cheap car insurance, by comparing all companies in Connecticut and finding who offers the best rates.

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