In Connecticut, there is a standard for driving with car insurance, and drivers who have vehicles registered in the state must have a minimum liability coverage. This type of coverage exists to protect other drivers as well as to protect your own assets in the event of an accident. Liability coverage takes care of the injuries or damages that you cause to another driver or their property, and helps to make sure that people aren’t getting smashed into and then left alone holding the pieces, and that drivers take financial responsibility for their cars. The minimum liability in Connecticut is:

• Injury/death for a single person–$20,000
• Injury/death for multiple people–$40,000
• Property damage–$10,000

Although this is what is required, most insurance agents suggest that you get more than this, because if you are taken to court for a lawsuit, you only get backed by the insurance company for the amount of liability coverage that you have. If you don’t have enough, you could end up thousands of dollars in debt and legal fees. The more money you have to begin with, the more vulnerable you are to lawsuits, which is some food for thought.

The DMV in the state of Connecticut is doing its best to make sure that people drive with insurance, so you have to carry proof of it not only when your register your vehicle, but everywhere you drive. If you get pulled over and don’t have your insurance card, you’ll get an extra ticket just for that. And even if you don’t get pulled over, the DMV is notified when you no longer have a policy, so if you can’t prove that you have one you are fined two hundred dollars. There’s a good reason right there to never throw mail from the DMV away.

Cheers,

Fashun Guadarrama.