Auto Insurance Coverage Requirements in CT
Motor vehicle accident-related costs can quickly add up. Whether a person suffered whiplash in a rear-end collision or a traumatic brain injury in a distracted driving crash, their medical expenses can be significant. Fortunately, people injured in motor vehicle crashes can receive compensation for their accident expenses if their injuries resulted from the actions of another negligent driver or party.
However, the legal process for pursuing compensation is not simple. This is why injured people should understand how the auto insurance coverage requirements in CT work as it relates to motor vehicle crashes.
What Auto Insurance Coverage is Required in CT
In Connecticut, vehicle owners and drivers must carry these minimum liability insurance amounts:
- Bodily Injury Liability – $25,000 for each individual in a crash the policyholder caused
- Total Bodily Injury Liability – $50,000 if two or more individuals get injured in a crash the policyholder caused
- Property Damage – $25,000 for every crash caused by the policyholder
This insurance should cover the property damage bills, medical expenses, and other expenses of other drivers, pedestrians, or passengers who have been injured or suffered property damage in a car crash the policyholder caused, up to the policy limits.
Once the policy limits have been exhausted, the policyholder can be personally liable for the rest, so having higher policy limits can protect their assets if they cause a serious accident. The liability insurance will also cover family members who drive the policyholder’s vehicle and anyone they’ve permitted to drive it.
Further, liability insurance coverage will not cover the policyholder’s property damage or injuries after a crash. They will need different insurance coverage if they get hurt in a crash and are not under someone else’s liability coverage.
For instance, medical payments or basic reparations coverage may cover the policyholder’s medical expenses, and uninsured or underinsured motorist insurance coverage can cover expenses in a crash caused by an uninsured, underinsured, or hit-and-run driver.
Connecticut Follows The At-Fault Auto Insurance System
The state follows the at-fault auto insurance system when assigning financial responsibility for injuries, property damage, and other damages incurred in a car crash. Following a crash in Connecticut, if a person suffers any injury or damage, they have the following options when pursuing financial compensation for their damages, such as medical expenses, vehicle damage, lost wages, and emotional distress:
- File a claim with their insurance provider, considering their losses are covered under their In this case, the insurance provider will file a subrogation claim against the insurance policy of the at- fault party.
- File a third-party liability claim against the liability insurance of the at-fault
- File a personal injury claim against the at-fault
Get In Touch With an Experienced CT Roadside Lawyer Today
If you need information about pursuing financial compensation after getting into an accident in Connecticut, call the CT roadside lawyer at Berman & Russo at 860-644-1548 or send us an online message to set up a free case evaluation.