Automobile Liability Insurance

Understanding Automobile Liability Insurance in Connecticut

Connecticut is a fault state when it comes to car accidents. This means that the driver who causes the accident is responsible for paying for all of the injuries and damages resulting from the crash. To ensure that drivers have the ability to cover these costs, auto liability insurance is required by law in Connecticut. Without proper coverage, a driver may not have the financial means to compensate for the damages caused by the accident.

What Are the Minimum Levels of Automobile Liability Insurance in Connecticut?

While you can opt for as much insurance coverage as you like, Connecticut law requires you to carry a minimum amount of coverage. Failing to meet these minimum levels could result in citations or fines from law enforcement.

In Connecticut, the minimum insurance coverage requirements are as follows:

• Bodily injury: $25,000 per person and $50,000 per accident
• Property damage: $25,000 per accident

However, bodily injury coverage has a limit of $50,000, even if there are more than two people involved in the accident.

Though $25,000 in coverage may sound like a lot, it can quickly be exhausted if you have significant medical expenses or extensive damages. That’s why many people choose to carry insurance with higher limits to ensure that they are adequately protected in case of a severe accident.

Additionally, this minimum coverage does not apply to your own injuries. If you’re concerned about medical expenses or damage to your own property, you’ll likely need additional coverage, such as personal injury protection (PIP) or collision insurance.

What Does Auto Liability Insurance Cover in Connecticut?

Auto liability insurance in Connecticut is designed to cover a wide range of losses related to a car accident, including:

• Pain and suffering
• Mental anguish
• Hospital bills
• Lost wages
• Future loss of earning capacity
• Loss of enjoyment of life
• Loss of companionship

In short, auto liability insurance will address almost any type of loss that results from a car accident. While policies may have some exclusions, they are relatively rare.

Liability coverage applies even if you’re not driving your car. Typically, as long as the person driving has permission to use the car, or is a member of your household, your insurance coverage should still apply.

What to Do If Your Insurance Company Is Offering Less Than What You Deserve

Insurance companies often seek to minimize payouts, which means they may try to deny your claim or offer less than the full amount your case is worth. If you’re facing this situation, it can be overwhelming.

At Bert McDowell Injury Law, we have over 20 years of experience helping victims of car accidents secure the compensation they need to recover. Our team is dedicated to fighting back against low-ball insurance offers and ensuring that your claim is handled properly.

Need Help After a Car Accident in Connecticut?

If you or a loved one has been involved in a car accident, contact Bert McDowell Injury Law for a FREE consultation. We will help you navigate the complexities of auto liability insurance and ensure that you are properly compensated for your injuries and damages.

Fill out the form on this page or call us at (475) 231-3274 to get started today.