Understanding Auto Liability Insurance in Connecticut

Connecticut follows a “fault” system when it comes to auto accidents. This means that the driver who is found to be responsible for the accident is liable for all injuries and damages caused by the incident. To ensure that injured parties can receive compensation for their losses, Connecticut law requires all drivers to have automobile liability insurance. Without this coverage, a driver may struggle to cover the costs associated with an accident, which can be substantial.

Minimum Levels of Automobile Liability Insurance in Connecticut

While drivers in Connecticut can opt for insurance coverage above the minimum requirements, it is crucial to meet these baseline levels to comply with state law. Failure to maintain the required insurance can result in fines and legal penalties. The minimum levels of automobile liability insurance in Connecticut include:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $25,000 per accident

It is important to note that the bodily injury liability limit applies collectively to all injured parties in a single accident, capping at $50,000 regardless of the number of individuals involved. While $25,000 may appear to be a significant sum, medical expenses can escalate rapidly, particularly in serious injury cases. Once the insurance coverage limit has been exhausted, you still retain the right to pursue a legal claim against the at-fault driver; however, they may not have the financial means to compensate you for your losses.

What Does Auto Liability Insurance Cover?

Auto liability insurance is designed to cover various types of losses that may arise from an accident. Although the primary focus is often on property damage and physical injuries, liability insurance can also encompass other forms of compensation, including:

• Pain and suffering
• Mental anguish
• Hospital bills
• Lost wages
• Loss of future earning capacity
• Loss of enjoyment of life
• Loss of companionship

In essence, auto liability insurance addresses almost any loss for which you can file a claim following a car accident. While most policies cover a broad range of situations, there can be exclusions, so it is advisable to review your individual policy carefully. Additionally, liability coverage typically applies even when the vehicle owner is not the one driving the car, as long as the person driving has permission or is a member of the owner’s household.

Challenges with Insurance Claims

Despite having coverage, many individuals face challenges when filing auto liability insurance claims. Insurance companies often attempt to minimize their payouts, which can involve denying claims outright or offering settlements that fall far short of what is deserved. This can leave accident victims struggling to cover their medical bills and other expenses related to the accident.

How Etemi Law Can Help You

If you have been injured in a car accident in Connecticut, you don’t have to navigate the complexities of insurance claims alone. At Etemi Law, we understand the nuances of auto liability insurance and have the experience necessary to advocate for your rights. Our team is dedicated to helping accident victims secure the compensation they need to recover and move forward.

With a proven track record of successfully representing clients, we can guide you through every step of the claims process, ensuring that you receive a fair settlement for your injuries and losses. Our commitment to our clients means that we will work tirelessly to protect your interests.

Don’t let insurance companies take advantage of you. Contact Etemi Law today at (203) 409-8424 for a free consultation. We are here to provide the support and legal expertise you need during this challenging time. Let us help you get back on your feet.