Auto insurance is a legal requirement in every state including Connecticut. You cannot register a motor vehicle without having the minimum required coverage. Auto insurance is a good thing to have as accidents and other potential problems can get you sued and cost you a lot of money.
What Auto Insurance Covers
When buying car insurance in CT, it’s important to know what kind of coverage you need. Some of the basics are:
- Uninsured/Underinsured motorist: If you are in an accident caused by a driver who has no insurance or inadequate coverage, this type of insurance will cover the damages.
- Bodily harm and property damage liability: If you are held liable for an accident that causes injury to passengers, other drivers, or third parties or causes damage to their property, this type of coverage will take care of that cost.
- Medical coverage: If you or a passenger are injured in an accident, this kind of insurance will cover medical expenses.
- Collision coverage: Cars involved in collisions take on body damage that must be repaired. This is the coverage that will pay for those repairs. Your deductible will vary with the type of policy you buy.
- Comprehensive coverage: Comprehensive covers damage caused by weather, theft, vandalism, and other non-accident-related events.
Connecticut drivers must insure their vehicles by law. In addition to complying with state statutes, having auto insurance protects you against the potentially high cost caused by events outside of your control.