Owning a car can be an expensive undertaking, but with the correct Connecticut auto insurance, things may not be as bad as they appear at first glance.  The correct type of coverage can allow you the peace of mind that in the event of an accident, any damage or injury expenses will be taken care of.  Obviously policies vary with every make, model and year of the vehicle, but regardless of the size, shape or age, auto insurance in CT is a must have!

According to Roughnotes.com, most states (including Connecticut) have financial responsibility laws requiring you to carry proof that you are able to pay for any damage or injury you may cause while driving. Auto insurance is the way that most people comply with these laws. Typically, drivers are required to carry liability insurance at some minimal limit that varies by state. Liability coverages include the following:

Bodily Injury Liability – This covers injury that you may cause to other persons. The key is that it involves you being held financially responsible for injuries to other persons because of your driving, your ownership or other use of your vehicle. This coverage does not apply to any injuries you may suffer.

Property-Damage Liability – This handles damage that you may cause to another person’s property. Again, the coverage only responds when you are financially responsible for such damage and it has to be related to your driving, use or ownership of a vehicle.

Uninsured Motorist Coverage – This coverage typically pays for injury you suffer from an accident caused by an uninsured driver. “Uninsured” usually refers to a person who has no insurance; a person who can’t be located (“hit and run drivers”); a person who has insurance but their insurance company is insolvent; and other situations (defined by individual state laws).

Underinsured Motorist Coverage – Similar to uninsured motorist, it pays for injuries caused by a driver who is inadequately insured. Here’s an example: You are seriously injured by someone carrying a bodily injury limit of $25,000, but your injuries are nearly $50,000. Your Underinsured Motorist Coverage limit is $100,000. In this instance, your policy would pay the difference between $25,000 and $50,000.

These are some basics of the liability coverage’s involved in auto insurance in Connecticut.  Understanding these terms can only benefit you in the unfortunate event of an accident and insurance claim.  Let Paradiso Insurance take car of you and your vehicle today. 860.684.5270

Information provided from Rough Notes