Question: Is CT a no fault state for auto insurance?

Connecticut is no longer a no-fault state for automobile insurance, but was before 1994. The term “no-fault automobile insurance” often refers to automobile insurance that permits a person to recover financial losses from his or her own insurance company regardless of who caused the loss.

Does Connecticut have strict or lenient requirements for auto insurance coverage?

Under current state law, anyone who wants to receive or retain a driver’s license or motor vehicle registration in Connecticut must provide and continuously maintain a minimum amount of financial security (e.g., insurance), including liability coverage and uninsured and underinsured motorist coverage.

Does insurance follow the car in Connecticut?

Car insurance usually follows the car in Connecticut. The types of car insurance that follow the car in Connecticut are bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive. … Property damage liability insurance will pay for damage to the other driver’s car.

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Is PIP required in CT?

No, personal injury protection (PIP) is not required in Connecticut. PIP is not even available in Connecticut. … Personal injury protection is a type of car insurance used in no-fault states, since it covers medical payments regardless of who caused an accident.

How long do you have to make a claim after a car accident in CT?

Connecticut has a time limit (Statute of Limitations) for filing a legal case: you have between two and three years from the date of the crash to file your initial lawsuit — the limit varies depending on the type of injury (personal or property damage) and the level of fault (negligent, reckless, or wanton …

What does CT require for car insurance?

State of Connecticut Insurance Department

A minimum of $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability, is required by law, but drivers are strongly urged to consider higher limits.

How does car insurance work in Connecticut?

Connecticut requires all drivers to carry liability insurance coverage. If you cause an accident, liability pays for the lost wages or injuries sustained by another driver or their passengers. … Furthermore, liability also covers damage to the other driver’s vehicle, known as property damage (PD).

What is full coverage CT?

Full coverage insurance in Connecticut is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage.

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Does CT accept digital insurance cards?

There are a number of new laws in CT effective Oct. 1st, one of them being that a digital automobile insurance ID card on your phone is now a legitimate ID card.

Does your car insurance and registration have to be under the same name?

While most states don’t require the name on an insurance policy to match the name on a vehicle registration, individual insurance providers may have rules against underwriting a policy for which the name on the policy doesn’t match the name on the registration.

What insurance does a car need?

California requires drivers to carry at least the following auto insurance coverages:

  • Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum.
  • Property damage liability coverage: $5,000 minimum.
  • Uninsured motorist bodily injury coverage¹: $15,000 per person / $30,000 per accident minimum.

What Full Coverage includes?

Full coverage car insurance is a term that describes having all of the main parts of car insurance including Bodily Injury, Property Damage, Uninsured Motorist, PIP, Collision and Comprehensive. You’re typically legally required to carry about half of those coverages.

Can you claim injury your own insurance?

Can you claim personal injury on your own car insurance? No, generally this does not form part of your own motor insurance policy.

How long does an insurance company have to investigate a claim in CT?

Completing an Investigation

In general, the insurer must complete an investigation within 30 days of receiving your claim. If they cannot complete their investigation within 30 days, they will need to explain in writing why they need more time.

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What happens when someone tries to sue you after a car accident?

If you are getting sued for a car accident, it means that the other driver believes you are at fault for the accident. … Your insurer will be responsible for compensating the injured person for any damages that resulted from the car wreck you caused.

How do I file a claim for pothole damage in CT?

To report that a road hazard or DOT vehicle has caused damage to your property or vehicle, your request must be in writing. Go to for complete instructions about how to file a claim. If you wish to speak to a Claims staff member, the Claims phone number is 860.594. 2235.