Connecticut Personal Lines Insurance License Exam — All Questions

What minimum auto liability limits must a Connecticut personal auto policy carry to meet the state's financial-responsibility law?

• a.$20,000 per person / $40,000 per accident bodily injury and $10,000 property damage
• b.$25,000 per person / $50,000 per accident bodily injury and $25,000 property damage✓
• c.$15,000 per person / $30,000 per accident bodily injury and $5,000 property damage
• d.$50,000 per person / $100,000 per accident bodily injury and $50,000 property damage

Connecticut requires minimum auto liability limits of 25/50/25 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. Producers should quote at least these limits and offer higher coverage. Verify current figures with the Connecticut Insurance Department (https://portal.ct.gov/cid).

How does Connecticut treat uninsured/underinsured motorist (UM/UIM) coverage on a personal auto policy?

• a.UM/UIM is prohibited in Connecticut
• b.UM/UIM automatically replaces liability coverage
• c.UM/UIM is mandatory; a personal auto policy must include it at limits at least matching the state minimum✓
• d.UM/UIM is available only to commercial fleets

Connecticut requires uninsured/underinsured motorist coverage on personal auto policies, with minimum limits of $25,000 per person and $50,000 per accident. UM/UIM protects the insured when the at-fault driver has no or insufficient coverage. Confirm current UM/UIM rules with the Connecticut Insurance Department.

How does Connecticut generally handle liability for auto accidents?

• a.It is a pure no-fault state; each driver's own insurer pays regardless of fault
• b.It bars all lawsuits between drivers and routes claims through a state fund
• c.It is a traditional at-fault (tort) state; the at-fault driver is responsible for the other party's injuries and damage✓
• d.It requires mandatory PIP on every policy in place of liability coverage

Connecticut is a traditional at-fault (tort) state: the driver who causes a crash is responsible for the other party's injuries and property damage, which is why liability and UM/UIM limits matter. Connecticut does not use a no-fault/PIP system. Confirm current rules with the Connecticut Insurance Department.

How are cancellation and nonrenewal of a personal auto or homeowners policy regulated in Connecticut?

• a.An insurer may cancel any personal policy at any time for any reason with no notice
• b.Only the policyholder may ever cancel; insurers can never cancel mid-term
• c.There are no notice rules; cancellation is governed solely by the contract
• d.State law limits the reasons an insurer may cancel or nonrenew and requires advance written notice to the insured; confirm the exact notice period with the Connecticut Insurance Department✓

Connecticut restricts mid-term cancellation of personal auto and homeowners policies to specified reasons (such as nonpayment or material misrepresentation) and requires advance written notice of cancellation or nonrenewal. The exact number of days varies by reason and line — verify the current Connecticut notice periods with the Connecticut Insurance Department.

Which best describes the body that writes and enforces Connecticut's insurance regulations affecting personal lines policies?

• a.The Connecticut Insurance Department, a state agency led by an appointed Insurance Commissioner✓
• b.A private trade association of insurers with no government authority
• c.The federal Department of Insurance in Washington, D.C.
• d.The town clerk's office where the policy is issued

Insurance in Connecticut is regulated at the state level by the Connecticut Insurance Department. There is no federal department of insurance; each state supervises its own market, licenses producers, and enforces cancellation, rating, and coverage rules. Source: Connecticut Insurance Department (https://portal.ct.gov/cid).