What You Need To Know About Connecticut Auto Insurance

'Full Coverage' at 20-40? Don't Believe It.

"20-40" means $20,000 per person/$40,000 per accident. "20-40" insurance coverage is the minimum amount the state of Connecticut will allow anyone to have in place on a registered personal vehicle. It doesn't mean this is the state's recommended amount. In fact, you only have a "little bit" of protection if you are in an accident. The minimum limit was enacted in 1973. It has never been updated to reflect inflation in the cost of medical care, auto repair or time out of work.

Protecting Yourself From Claims Of Others

The "liability" portion of your policy protects you from the claim(s) of persons injured in accidents caused by you, and/or drivers insured through the terms and specifications of your auto policy. Your insurance company agrees to pay up to the "per person" and "per accident" amounts stated on your auto policy.

Uninsured/Underinsured Motorist (UM/UIM) — Protecting Yourself

It is the most important part of your auto insurance policy! High UM/UMI limits are the best ways to protect yourself and the people who live with you from uninsured or underinsured drivers who cause accidents. UM/UMI protection on your policy allows you to choose higher limits than what you have for your liability coverage. The premiums associated with this portion of the policy are considerably lower. Protect yourself with high UM/UMI limits. Discuss your coverage immediately with your insurance agent.