Connecticut Auto Insurance Guide
Whether you’re driving into Hartford on Highway 91, taking Highway 95 to New Haven to watch the Yale Bull Dogs, cruising the New
London Road to historic Mystic Seaport or heading out to Mashantucket on H2 East to try your luck at Foxwoods, the Constitution
State offers history, entertainment and miles of beautiful scenery. Sightseeing or commuting,
car insurance
is crucial to being a responsible Connecticut driver.
Auto Insurance Resources for CT State Residents
As of 2010, there were nearly 2.66 million licensed driver in the Constitution State. The Insurance Research Council
estimates that 9% of Connecticut’s drivers are uninsured. The Connecticut Department of Transportation recorded just 223
traffic fatalities in 2009, however 33% of them involved alcohol. Uninsured and alcohol-impaired drivers are good reasons
to make sure you have enough car insurance while living and driving in the Constitution State.
Connecticut State Minimum Car Insurance
Connecticut state law requires you to carry a minimum amount of car insurance, including Uninsured/Underinsured Motorist
insurance, or face severe penalties. The Constitution State has a tort-based system. If you cause an accident, you can be
sued. While Connecticut does not require you to carry additional personal liability or Collision and Comprehensive, if you
own property or other valuable assets, you would be wise to supplement the minimum requires shown below:
- $20,000 bodily injury per person per accident
- $40,000 bodily injury for all persons per accident
- $10,000 property damage liability
- $20,000/$40,000 uninsured/underinsured motorist coverage
Connecticut Car Insurance Laws
Connecticut requires that you carry proof of Connecticut auto insurance in your vehicle and produce it if a law
enforcement officer asks to see it.
If you are caught driving without proof of Connecticut insurance you will face a minimum $110 fine and your vehicle
will be impounded. You will have to pay the towing charges and daily storage fee until you correct the situation. You
will also receive points on your driving record, which can result in higher insurance premiums or cancelation of your
policy.
To encourage compliance with Connecticut auto insurance laws, the state requires that all insurance companies
provide monthly reports to the DMV when a policy is canceled. You will receive an immediate request from the DMV for
proof of insurance and will face a $200 fine and potential suspension of your vehicle registration if you fail to comply
within 30 days. If your registration is suspended, you will have to pay a reinstatement fee.
Regulating Agency and References
State of Connecticut Insurance Department
This is the agency responsible for licensing drivers and registering vehicles. You can learn more about Connecticut auto insurance requirements, penalties and related information at
http://www.ct.gov/cid/site/default.asp
Connecticut Department of Motor Vehicles
This agency is responsible for licensing drivers and registering vehicles. You can learn more about Delaware auto insurance requirements,
penalties and related information at
http://www.ct.gov/dmv/site/default.asp
National Association of Insurance Commissioners (NAIC)
This is an organization of insurance regulators from the 50 states, District of Columbia and the five U.S. territories. NAIC
provides a forum for the development of uniform policies when appropriate. NAIC members are elected or appointed state government
officials who regulate the conduct of insurance companies and agents in their respective states or territories.
Visit NAIC at http://www.naic.org
Insurance Information Institute (III)
This organization’s mission is to improve public understanding of insurance – what it is and how it works. Visit III at
http://www.iii.org/
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