Auto Insurance Connecticut CT

Reader’s Question:

My daughter is 19 years old recently bought a car (10 years old) and is getting her own insurance on it. She attends college and works part time. How much auto insurance is recommended for her? We live in CT.

Amber

New Haven, CT

 

Higher limits than the state’s minimum amounts are best to carry if it is financially available to your daughter. For instance the insurance industry recommends the limits for BI be at $100,000 per individual and $300,000 per accident. If your daughter is going to college and working she may not yet have the funds to raise the limits, nor have assets that he would need to protect with the higher limits. It is something she could talk about with an insurance agent in Connecticut.

Beyond the coverages, if her vehicle is financed he will likely be required to also have collision and comprehensive on the car. If her car is not financed she may still want to consider these types of physical damage coverages so that her vehicle is protected.

Car Insurance Waterbury CT

Reader’s Question:

What is the insurance policy for guest drivers? I live in Waterbury, Connecticut.

Spencer

Waterbury, CT

 

Connecticut insurance companies’ guidelines as well as individual policy terms vary but generally if you permit a guest to borrow your car, normally your insurance coverages will extend to this individual that you have given permission to operate your car.

To make sure that there are not exclusions within your particular insurance policy that would permit your insurance carrier to deny claims arising from a friend or guest driving your vehicle it is usually best to read over your policy as well as check with your insurance agent to make sure the guest can drive your car and be properly covered by your car insurance.

Car Insurance New Haven CT

Reader’s Question:

I have a motor vehicle that I do not drive in New Haven CT, should I have to have insurance on it?

Valerie

New Haven, CT

In the state of Connecticut if you do not want to pay insurance on a vehicle that is being stored or inoperable you need to turn in your plates to the Department of Motor Vehicle and request that they be put on “hold”. During that time, you may cancel insurance coverage on the car. When you are going to once again operate the vehicle in New Haven CT you would need to inform the CT DMV and get insurance on the vehicle.

You may check with your Connecticut Department of Motor Vehicles to find out what state laws permit for in your situation. Do not take off insurance without verifying with the DMV and likely turning in your registration and plates. If you do take off insurance without turning in your registration and plates then many states will cite you and penalize you for a lapse in car insurance.

Connecticut Auto Insurance

Reader’s Question:

Does my auto insurance policy in Connecticut cover a car collision in an uninsured car if I am the motorist?

David

Waterbury, CT

This will depend upon your Connecticut insurance provider’s guidelines and the terms of your insurance policy if your insurance would cover you in an uninsured car. If you were aware that the car does not have insurance on it when you drove it may be a factor when the insurance provider looks at a claim.

As a Connecticut driver you need to verify that any vehicle you drive is insured and not rely upon your own insurance in case there is a collision or an accident. Typically, the coverage for the vehicle follows the car and not the motorist, so your policy probably doesn’t apply. In most states if you are stopped or in an accident you will need to provide proof that the car has insurance, if it does not then the registration of the vehicle may be suspended by the state, so you may get ticketed for operating a vehicle that is not insured and without valid registration.