Connecticut High Risk Auto Insurance
Approximately 130 insurance providers hold licenses to operate and sell policies in the state of Connecticut. Most of the nationally known providers, such of Allstate, Geico, The Hartford, and State Farm are represented. Other, not so well known names include Foremost, Connecticut Life & Casualty, and Sagamore.
Higher Minimum Liability Coverage
Minimum liability insurance coverages for automobiles In Connecticut are higher than those found in many other states. Their stated goal is to reduce the number of people injured by uninsured or underinsured motorists and left uncompensated. To this end, the Connecticut minimum specifications for liability car insurance are Bodily injury; $20,000 per person to $40,000 per accident, Property damage; $10,000. Connecticut also requires motorists to carry uninsured/underinsured motorist bodily injury liability coverage equal to another $20,000 per individual to $40,000 per accident. This coverage is viewed as optional in most states.
Connecticut Joins the Tort Reform Charge
Connecticut has joined many other states in establishing a tort system of addressing accidents. This means that someone will be found to at fault and held responsible for causing the accident. This person and his/her insurance company will be financially responsible for all medical and property repair claims incurred by other parties.
Proof of Coverage Laws More Lenient Than Most
Connecticut maintains a database of insured automobiles. Unlike most states, they do not require proof of insurance be carried in the vehicle at all times. However, if an insurer reports your policy as canceled, you must produce proof that you changed to a new policy and show it at the nearest DMV office. The penalty for failure is an automatic $200 fine.
Whether you are a young driver just starting out or an experienced driver with a few accidents, finding reasonable rates on high risk auto insurance is not impossible. Take a few minutes to try our free online quote tool and start saving on your auto insurance today.