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Auto Insurance Liability

Connecticut drivers are required to purchase some form of insurance coverage in order to legally drive in the state. Auto insurance is amongst the most regularly utilized types of personal insurance, justifying the purchase of auto insurance as an essential factor to drive on the Connecticut roadways and highways.

Auto Insurance Liability

Liability insurance is one of the primary two elements of auto insurance coverage. Unfortunately, in the event of a car accident, one out of every seven at-fault drivers on the road is uninsured. According to the Insurance Research Council, 14 percent of motor vehicle collisions in the United States are caused by uninsured motorists.

When a collision occurs, the last thing the driver wants to deal with is a struggle to recover funds from the at-fault driver. If you or a loved one has been involved in a motor vehicle crash, an auto insurance liability lawyer of Jonathan Perkins Injury Lawyers is here to help. Jonathan Perkins Injury Lawyers is dedicated to fighting for the rights of the injured.

For more information, complete a Free Case Evaluation form on this page.

Liability Insurance Overview

Auto insurance coverage is broken into two main components: liability, and property damage. The Department of Motor Vehicles (DMV), requires car owners to maintain insurance coverage to prove that they are financially capable of handling potential costs associated with an accident. In Connecticut, the state requires drivers to carry property damage and bodily injury liability insurance:

  • Property damage liability insurance: This portion covers any costs associated with damages to any of the vehicles that were struck during the accident. In addition, coverage extends to other property such as walls, gates, fences and other equipment.
  • Bodily injury liability insurance: This portion covers any medical bills, pain and suffering costs and lost wages, protecting you from the claims of injured parties involved in a collision at which you are at fault.


Some states require a third element: uninsured motorists coverage. This type of liability insurance coverage protects you from hit-and-run drivers or those who do not have auto insurance. If you have experienced problems with your insurance company following a crash, you may need to guidance from an auto insurance liability lawyer.

Have you been injured in an accident or fall? Do You have question and want to know your legal options. Call 203-437-6190 for a free consultation and remember there is NO FEE unless WE Win.

Connecticut’s Auto Insurance Liability Laws

Each state varies slightly in regard to the specific requirements of auto insurance liability coverage. In order to meet the terms of the mandatory requirements, Connecticut drivers must maintain a minimum amount of monetary coverage. While the majority of insurance professionals would recommend much more than the required amount of protection, the following are the minimum required coverage by Connecticut:

  • $40,000 in bodily injury coverage, this relates to the injuries or deaths befalling to more than one person in a collision
  • $20,000 in bodily coverage when injuries or death occurs to one person in the crash
  • $10,000 in property damage coverage


Maintaining this level of insurance coverage is critical to ensuring protection in the event of an accident. Drivers must show proof of insurance in the form of an insurance identification card, as well as a policy’s declaration page.

Insurance Coverage Terms To Learn

Purchasing auto insurance can be stressful. Connecticut motorists, however, have a responsibility to go through this process in order to legally drive within the state. When taking this step, Connecticut residents must have an understanding of the terminology used in order to fully grasp what insurance coverage they are purchasing.

The following are some additional common insurance coverage terms:

  • Collision coverage: covers the damage to your car from the collision with another motor vehicle or if your car turns over
  • Comprehensive coverage: damage coverage for your car that is not caused by a collision, such as explosion, flood, theft, glass damage, hitting an animal, falling objects, etc.
  • Full glass coverage: with no deductible, this covers any damage to vehicle safety glass
  • Medical payments coverage: this type of coverage substitutes previously required coverage and offers medical payments, lost wages and/or funeral costs. This is an optional coverage.


An auto insurance liability lawyer will help to guide you through your case if an accident occurs. However, having a foundation of knowledge about insurance coverage is advantageous for any Connecticut driver.

Factors Determining Auto Insurance Premiums

Each insurance company establishes their own prices for auto insurance premiums. These premiums are influenced by quite a number of factors that determine the likelihood that you are in safe driving conditions. The following are the principal factors that insurance companies account for when establishing auto insurance premium rates:

  • Type of vehicle
  • Driving record
  • Credit history
  • Safety and anti-theft devices
  • Geographic location
  • Weather
  • Crime rate
  • Your policy’s deductible amount


While this is not an exhaustive list, the above denote the main elements that an insurance company will review when determining the cost of your premiums. Maintaining a safe driving record is always beneficial to drivers seeking auto insurance coverage.

Talk To A Lawyer To Get A Better Understanding

Jonathan Perkins Injury Lawyers share a passion for representing the injured and guiding them through the legal process. We dedicate the same level of attention to detail and care to each and every client. An auto insurance liability lawyer is prepared to take on your case today. Complete a Free Case Evaluation to learn more. You can also call our toll-free number (800-PERKINS) or send our office an email.

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