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.