According to the Connecticut department of motor vehicles, CT insurance requirements dictate that all motor vehicles registered for road use must be properly insured. In order to legally have a vehicle registered an official insurance identification card has to be presented. This policy must be obtained in the name of the legally registered vehicle owner even if it is to be used by another person. The card must be kept in the car at all times.
All Connecticut drivers must carry at least minimum liability. This means that per person bodily injury will be covered up to twenty thousand dollars with a forty thousand dollar maximum for all injuries incurred in any single accident. This is known as twenty/forty coverage.
Connecticut is a torte rather than a no fault state. This means the company that insures the driver responsible for an accident will be the one who is required to cover any accident related expenses of their policy holders.
Although all family members who are drivers living in a single household are not required by CT law to share the same policy, it is a good idea. Most will require proof that these individuals are otherwise insured. Insurance companies will refuse to pay a settlement when an uninsured family member was not included on another's plan and is involved in a wreck.
Many factors will affect an individual's policy rates. A history of past accidents, type and age of vehicle, the age of all drivers, any tickets for moving violations, and even a person's credit score can cause higher premium charges. This of course also means that those with good driving records, acceptable credit history and who fall into the age group who statistically have less accidents will pay less.
An ounce of prevention is indeed worth a pound of cure. Always obey the rules of the road and speed limits. Following proper safety procedures and all CT insurance requirements will help people to be safer and better prepared in the event of an unexpected occurrence.
