Connecticut Auto & Property Coverage Requirements
This chapter covers the coverage rules a Connecticut producer must know to place personal lines correctly: the compulsory auto liability limits, the mandatory uninsured/underinsured motorist coverage, and how Connecticut treats auto claims.
Compulsory Auto Liability Limits
Connecticut requires every registered vehicle to carry at least 25,000 dollars for bodily injury per person, 50,000 dollars for bodily injury per accident, and 25,000 dollars for property damage per accident (a 25/50/25 limit). These are minimums; insureds may and often should buy higher limits. Figures are from Connecticut DMV insurance-requirement guidance and can be raised by the legislature, so verify current minimums with the state before quoting them as fixed.
Uninsured and Underinsured Motorist Coverage
Connecticut requires uninsured and underinsured motorist (UM/UIM) coverage on auto policies, with minimum limits matching the required bodily-injury liability limits (25,000 per person / 50,000 per accident). UM/UIM pays the insured's injury damages when an at-fault driver has no insurance or not enough. Producers should explain that this protects the policyholder, not the other driver.
How Claims Are Settled
Connecticut is a traditional liability (at-fault) auto state rather than a no-fault state: injury and damage claims are generally pursued against the driver responsible for the accident, and mandatory UM/UIM fills the gap when that driver is uninsured or underinsured. Because states periodically revisit auto systems, confirm the current framework with the Connecticut Insurance Department when advising clients.