Driving Without Automotive Insurance Connecticut CT

Reader’s Question:

I got in an accident here in Connecticut. I was hit by a van at a red light. I am not insured, but the other driver is. Will I be covered by his auto insurance?

Janice

Hamden, CT

Typically, if the other party is proven at fault, his automotive insurance would cover the damages brought by the accident. A licensed claim adjuster would assess the situation by getting your version of the incident, as well the other driver’s version. Along with these, other facts and information that are relevant to the incident would also be gathered and reviewed in order to assess the situation fairly. Once the claims adjuster has come up with a decision, he or she will report this to the other driver’s automotive insurance company for further actions.

Since this incident has to be reported to a law enforcer, you may get a citation from the officer for driving without automotive insurance. In most states, including Connecticut, every driver is required to carry the insurance of the vehicle he is driving. If you are caught driving a vehicle without the capacity to show proof of insurance, you may face certain penalties such as monetary fine. It is also possible that your license will be suspended as penalty for this violation. Normally, if your license gets suspended, you would have to get SR-22 insurance in order to get your license reinstated. The SR-22 insurance is a liability insurance that shows proof of financial responsibility under the minimum coverage required by the state.

Tags: driving without insurance, liability insurance, sr22 car insurance