If you want to drive a car in the United States, you need car insurance. Every Southbridge CT auto insurance policy differs, and the premium that you end up paying depends on the type of coverage you select coupled with your driving record. At the very least, a driver is required to have liability coverage in order to legally drive a vehicle. What is liability coverage?
Coverage in Connecticut
Liability is coverage for property damage and injuries that may have been caused by you while driving your car. This means that if you get in an accident and damage someone’s vehicle and injure them, your policy will cover the cost up to the amount of coverage that you have. The minimum liability coverage for the state of Connecticut is $20,000 bodily injury coverage per person per accident, $40,000 in bodily injury coverage per accident, and $10,000 property damage coverage per accident. You must also have the same type of coverage for uninsured/underinsured motorists.
What Are the Real Costs?
To compare what your coverage should be, according to 2008 reports, per-person bodily injury costs were about $68,000. Although the minimum liability of $20,000 might seem like a lot, actual costs can be much more. Consider this when selecting your policy.
While there are a lot of different types of coverage you can find with Southbridge CT auto insurance policies, you must at least have liability coverage. Drivers should probably consider getting policies with higher limits than the minimum, but make sure that whatever policy you select at least meets the minimum requirements for the state of Connecticut listed above.