Just because Connecticut is one of the smallest states does not mean it is a state without drivers.  Driving through Connecticut is still a joy whether residents use their cars to go to work and back in downtown traffic or to see the panoramic scenery; the drives along the riverbanks, hills, plains, or beautiful forest areas. Summer and winter fun make this little State a fun place for tourism, which also means the increase in traffic as well. Connecticut auto insurance rates are on the rise, Connecticut experienced the highest rate increase in the nation.  In 2006, the average for auto insurance rested at $1965 and it jumped 3% in 2007 to $2025. Because of all this, Connecticut State requires that all residents carry minimum auto insurance to help in any accidents that might occur.

Connecticut Auto Insurance Requirements

Since Connecticut is not a no fault state, every driver in the state must carry bodily injury liability and property damage insurance to protect themselves in the event that they are found to be at fault in an accident. The minimum ratio for Connecticut coverage is set at 20/40/10 for at fault drivers. What this covers is:

• Bodily Injury Liability – Connecticut auto insurance requires mandatory coverage for a single individual who gets hurt in an accident by the driver deemed to be at fault is set at $20,000.
• Bodily Injury Liability – Insurance companies will pay out up to $40,000 in additional coverage for medical expenses when there is more than one individual hurt in the accident caused by the at fault driver.
• Property Damage Liability – Connecticut auto insurance minimum is set at $10,000.  This is what the at fault driver will be covered for in the event that damage is caused to the other drivers car, or damage is caused to state property as a result of a collision.

This is just the minimum coverage and the State of Connecticut recommends that the insured carry higher amounts to offset the high amounts collected each year in car insurance claims.

Connecticut State realizes that with the influx of tourists there will be more motor accidents and also many tourists may not be carrying sufficient auto insurance to cover any accidents they are involved in.  Therefore Connecticut auto insurance law requires that Connecticut drivers carry Uninsured Motorist protection in the event that the other driver does not have sufficient insurance to cover the costs of the accident to cover medical costs and damage to the vehicle.

The state of Connecticut also recommends that their drivers think about protection for their own vehicle in an accident.  By taking out Comprehensive and Collision insurance, drivers can have insurance to protect them from any damages they cause to their own cars.  They will also be protected from damage sustained through natural forces such as hailstorms and damaged sustained by the State’s wildlife.