March 2, 2010

Cutting Costs by Reducing Auto Insurance Features

An automobile driver in Connecticut is required to carry proof of Connecticut auto insurance when operating a motor vehicle in the state. This has become mandatory for all drivers since accidents involve potentially high costs for medical bills, property damage, as well as legal proceedings. For these reasons, the Department of Motor Vehicles (DMV) also asks car owners to carry a statement of their financial status which should be enough to cover these costs. Car insurance is expensive, which is a good reason to look for ways to reduce costs when you can.

The compulsory auto insurance system in Connecticut requires two types of coverage – bodily injury liability and property damage liability. They also follow the ‘Tort’ system. This means that if you caused the accident then you will have to pay for it. If the insurance covers the above mentioned factors then you are covered for injury or death of the other driver. There is also a system of ‘first party benefits’ which provides compensation in situations like loss of income, paying medical bills, or accidental death. The minimum bodily injury liability for per person in Connecticut is $20,000 and $40,000 for all people in the car. The minimum property damage liability is $10,000.

If you have these covered, then you can rest assured that all your expenses that may arise due to the accident will be covered by the driver who is at fault. The policies also cover passengers in the cars as well as pedestrians who may have been involved during the accident. Since the Tort system is followed in the state, it is recommended that you opt for a good policy which covers more than the minimum requirement. This will ensure that you do not have to pay other costs, as the other party may sue you for the mishap and you could even lose your driving rights and privileges.

The Internet is the best place to shop for an auto insurance policy since it is affordable and convenient. You can compare rates of various companies and choose the best one. You can also order and get your insurance through without leaving the comfort of your own home.

If you want more information on auto insurance and various laws by state, visit