Connecticut Property & Casualty Insurance License Exam — All Questions

What are Connecticut's minimum auto liability limits for a registered private passenger vehicle?

• a.$10,000 PIP and $10,000 property damage only
• b.$50,000 / $100,000 / $50,000
• c.$15,000 / $30,000 / $5,000
• d.$25,000 / $50,000 / $25,000✓

Per Connecticut DMV insurance-requirement guidance, the minimum is 25,000 dollars bodily injury per person, 50,000 dollars per accident, and 25,000 dollars property damage (25/50/25). These are minimums that can be increased by law, so current figures should be confirmed with the state.

Connecticut auto policies must include which coverage that pays the insured's own injury damages when the at-fault driver has no or insufficient insurance?

• a.Uninsured/underinsured motorist (UM/UIM) coverage✓
• b.Med-pay only, with no UM requirement
• c.Gap coverage
• d.Personal injury protection (PIP)

Connecticut requires uninsured and underinsured motorist coverage with minimum limits matching the bodily-injury liability minimums (25,000/50,000). UM/UIM protects the policyholder when another driver is uninsured or underinsured; it is not optional in Connecticut.

How does Connecticut generally handle auto injury claims?

• a.As a traditional at-fault (liability) state, with mandatory UM/UIM to cover uninsured drivers✓
• b.As a pure no-fault state where each driver's insurer pays regardless of fault
• c.By barring all lawsuits arising from auto accidents
• d.Through a state-run fund that pays all claims

Connecticut is a traditional at-fault liability state, not a no-fault state: injury claims are pursued against the responsible driver, and required UM/UIM coverage fills the gap when that driver is uninsured or underinsured.