1. What auto insurance requirements must drivers meet in Connecticut?
In Connecticut, drivers must carry a minimum of $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Drivers must also carry uninsured/underinsured motorist coverage with a minimum of $25,000 per person and $50,000 per accident. Additionally, all drivers must show proof of financial responsibility (insurance) to register a vehicle.
2. What proof of insurance is required to obtain a driver’s license in Connecticut?
In Connecticut, you must provide proof of insurance to obtain a driver’s license. This proof of insurance must include your name, the company that issued the policy, and the policy’s effective date. You may provide a copy of your insurance card or your Declaration Page from your insurance company.
3. Are there any exceptions to the minimum auto insurance limits for drivers in Connecticut?
Yes. Connecticut allows drivers to purchase additional insurance coverage beyond the required minimum limits. Drivers may purchase higher liability coverage limits, additional types of coverage, such as comprehensive and collision, and other endorsements, such as roadside assistance and rental car reimbursement.
4. What is the minimum bodily injury liability limit for drivers in Connecticut?
The minimum bodily injury liability limit for drivers in Connecticut is $20,000 per person and $40,000 per accident.
5. Is personal injury protection (PIP) required for drivers in Connecticut?
Yes, personal injury protection (PIP) is required for drivers in Connecticut.
6. How long do drivers in Connecticut have to provide proof of automobile insurance after registering their vehicle?
In Connecticut, drivers must provide proof of automobile insurance at the time of registration. Once registered, they must maintain proof of automobile insurance at all times.
7. Does Connecticut require uninsured/underinsured motorist coverage?
Yes, Connecticut requires uninsured/underinsured motorist coverage. Uninsured/underinsured motorist coverage is also required to be offered in Connecticut.
8. What are the penalties for driving without insurance in Connecticut?
Driving without insurance in Connecticut can result in a fine of up to $1,000, a suspension of your driver’s license, and possibly even imprisonment. In addition, any uninsured vehicle that is stopped by law enforcement may be towed and impounded.
9. Is it legal to operate a motor vehicle without insurance in Connecticut?
No. It is illegal to operate a motor vehicle without insurance in Connecticut.
10. Does Connecticut offer low-cost auto insurance plans for drivers?
Yes, Connecticut offers two low-cost auto insurance plans: The Connecticut Automobile Insurance Plan (CAIP) and the Connecticut State Low Cost Automobile Insurance Program (CTSLAIP).
11. How does a driver reinstate their license after being convicted of driving without insurance in Connecticut?
The driver must file an SR-22 certificate with the Connecticut Department of Motor Vehicles (DMV). The SR-22 is a form issued by an insurance company certifying that the driver has met the state’s minimum automobile liability insurance requirements. The form must be kept on file with the DMV for three years in order for the driver to reinstate their license. Additionally, the driver may have to pay a fee to the DMV to reinstate their license.
12. What forms of proof of auto insurance are accepted by the DMV in Connecticut?
The DMV in Connecticut accepts an insurance identity card from your insurance company, a copy of a current Declarations Page, a copy of your current policy, or a confirmation letter from your insurance company.
13. Are there any restrictions placed on auto insurers in Connecticut regarding the minimum amounts of coverage they must offer?
Yes. Connecticut’s Insurance Department mandates that all auto insurers in the state offer certain minimum coverage amounts for bodily injury and property damage liability, as well as for uninsured and underinsured motorist coverage. The current minimums are $20,000 for bodily injury per person, $40,000 for bodily injury per accident, $10,000 for property damage, and $20,000/$40,000 for underinsured/uninsured motorist coverage.
14. Does Connecticut require motor vehicle operators to carry liability coverage on their vehicles?
Yes, Connecticut requires motor vehicle operators to carry liability coverage on their vehicles. This coverage protects you financially if you are involved in an accident and found to be at fault. It also helps to pay for medical expenses incurred by the other party.
15. How often must drivers in Connecticut update their proof of auto insurance with the DMV?
Connecticut drivers must update their proof of auto insurance with the DMV every time their policy changes or when the policy expires.
16. Does Connecticut require drivers to purchase uninsured motorist property damage coverage?
Yes, Connecticut does require drivers to purchase uninsured motorist property damage coverage. This type of insurance covers the damage to your vehicle caused by an uninsured driver.
17. Are there any special discounts available for drivers who purchase auto insurance in Connecticut?
Yes, there are discounts available for drivers who purchase auto insurance in Connecticut. Some of these discounts include good driver discounts, multi-car discounts, safe driver discounts, and more. Additionally, many insurance companies offer other discounts, such as discounts for bundling home and auto policies.
18. Is there a grace period for providing proof of auto insurance to the DMV in Connecticut?
No, there is no grace period for providing proof of auto insurance to the DMV in Connecticut. Motorists must provide proof of insurance to the DMV when registering a vehicle, and must maintain continuous proof of insurance while the vehicle is registered.
19. How much does the average auto insurance policy cost for drivers in Connecticut?
The average auto insurance policy cost for drivers in Connecticut is approximately $1,280 per year.
20. What type of documentation do I need to provide when getting a driver’s license in Connecticut?
In order to obtain a driver’s license in Connecticut, you will need to provide proof of identity, Social Security number, and Connecticut residency. The documents required to prove identity may include a valid passport, permanent resident card, birth certificate, or an unexpired foreign passport with a valid visa and I-94. Documents that can be used to prove Social Security number include a Social Security card or W-2 form. Documents proving Connecticut residency may include a utility bill, bank statement, pay stub, or vehicle registration.